Customer Documentation System Time-Out / Request for Return of Funds (camt.056 & camt.029)

Transcription

1 Customer Documentation System Time-Out / Request for Return of Funds (camt.056 & camt.029) Version 2.2 April

2 THIS DOCUMENT ( DOCUMENT ) IS PROVIDED UNDER THE TERMS OF THIS RTP DOCUMENTATION AGREEMENT ("AGREEMENT"). ANY USE OR REPRODUCTION OF THE DOCUMENT CONSTITUTES RECIPIENT'S ACCEPTANCE OF THIS AGREEMENT. This Agreement is an agreement between Recipient and The Clearing House Payments Company, L.L.C. ( Payco ). Capitalized terms used but not defined in this Agreement shall have the meanings given to such terms in the Real-Time Payments Operating Rules or Real-Time Payments Participation Rules released by Payco from time to time (collectively, the Rules ) which are available for download at Payco s website, For purposes of this Agreement, Recipient means the person who receives this Document from Payco or, if the person who receives this Document from Payco is the representative of a juristic person, that juristic person. Subject to the terms of this Agreement, Payco hereby grants Recipient a worldwide, nonassignable, non-sublicensable, non-transferable, non-exclusive, royalty-free copyright license to reproduce this Document and prepare derivative works of this Document that are products and services that integrate with the Real-Time Payments service provided by Payco ( Works ) and publicly display, publicly perform, distribute and sublicense the Works (the License ). As a condition to exercising the rights and licenses granted hereunder, Recipient hereby assumes sole responsibility to secure any other intellectual property rights needed, if any. For example, if a third party patent license is required to allow Recipient to distribute the Works, it is Recipient's responsibility to acquire that license before distributing the Works. The Document is the property of Payco and Payco retains all right, title, and interest in and to the proprietary rights expressed in this document and the information contained therein. Recipient shall not disclose the Document to any third party and no rights in the Document are granted other than those specifically authorized by the License. Any reproduction of the Document must reproduce this Agreement, including partial copies. The Document must be returned to Payco or the Works and Document must be destroyed immediately, upon Payco s request. In the event of such a request, Recipient will provide a certification if it is a natural person, or a certification of a senior officer or executive if it is a representative of a juristic person, that all copies of the Document and Works have been destroyed or returned to Payco as required. If you are a Participant, you acknowledge and agree that this agreement and the licenses granted hereunder are subject to your Participant Agreement and the Rules, and you agree that nothing herein shall relieve you of your obligation to comply with the foregoing. In the event of a conflict between this Agreement and the Participant Agreement or the Rules, the Participant Agreement or the Rules, as applicable, shall control. EXCEPT AS EXPRESSLY SET FORTH IN THIS AGREEMENT, THE DOCUMENT IS PROVIDED ON AN "AS IS" BASIS, WITHOUT WARRANTIES OR CONDITIONS OF ANY KIND, EITHER EXPRESS OR IMPLIED INCLUDING, WITHOUT LIMITATION, ANY WARRANTIES OR CONDITIONS OF TITLE, NON The Clearing House Payments Company L.L.C. 2

3 INFRINGEMENT, MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. Recipient is solely responsible for determining the appropriateness of using the Document and assumes all risks associated with its exercise of rights under this Agreement, including but not limited to the risks and costs of program errors, compliance with applicable laws, damage to or loss of data, programs or equipment, and unavailability or interruption of operations. Recipient shall, at its sole cost and expense, indemnify and hold Payco and its affiliates harmless from and against any and all damages arising out of or related to Recipient s use and reproduction of the document and works. PAYCO SHALL HAVE NO LIABILITY FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, EXEMPLARY, OR CONSEQUENTIAL DAMAGES (INCLUDING WITHOUT LIMITATION LOST PROFITS), HOWEVER CAUSED AND ON ANY THEORY OF LIABILITY, WHETHER IN CONTRACT, STRICT LIABILITY, OR TORT (INCLUDING NEGLIGENCE OR OTHERWISE) ARISING IN ANY WAY OUT OF THE USE OR REPRODUCTION OF THE DOCUMENT OR THE EXERCISE OF ANY RIGHTS GRANTED HEREUNDER BY RECIPIENT, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. If any provision of this Agreement is invalid or unenforceable under applicable law, it shall not affect the validity or enforceability of the remainder of the terms of this Agreement, and without further action by the parties hereto, such provision shall be reformed to the minimum extent necessary to make such provision valid and enforceable. If Recipient institutes patent litigation against Payco or any affiliate of Payco (including a crossclaim or counterclaim in a lawsuit) alleging infringement of Recipient's patent(s), then the License of this Agreement shall terminate as of the date such litigation is filed. All Recipient's rights under this Agreement shall terminate if it fails to comply with any of the material terms or conditions of this Agreement and does not cure such failure in a reasonable period of time after becoming aware of such noncompliance. If all Recipient's rights under this Agreement terminate, Recipient agrees to cease use of the Document and Works as soon as reasonably practicable. However, Recipient's obligations under this Agreement shall continue and survive. This Agreement is governed by the laws of the State of New York and the intellectual property laws of the United States of America. Each party waives its rights to a jury trial in any resulting litigation The Clearing House Payments Company L.L.C. 3

4 CHANGES VERSION 2.0 TO VERSION 2.1 Section Change Comments Added Occurrence Information overview This section was added to clarify the meaning of Occurrence within the Message Structure Description and Detail Message Field Descriptions. 1.6 Expanded Date Validation to include both Date and Participant Identification Validation Occurrence column updated to reflect RTPspecific usage rather than ISO general requirements. (These changes are also reflected in the Detail Message Field Descriptions for fields noted.) M/O/C column updated to reflect RTP product usage Assignment Identification (Index 1.1) Format extended to 35 characters (originally defined as 31 characters). Additionally, a Rule is noted to show that the first 20 characters of message ID are validated structurally. If the structure is not as defined, RTP will reject with an Administration Advice message with Reason Code 650. The example was updated to reflect the format change. Validation was added to ensure that the participant ID included within the unique identifier for the message belongs to the sender of the message. The following fields were updated from [0..1] to [1..1]: The following fields were updated as noted: M C C M O C V2.0 format description: Pos Prefix "M" Pos File creation date in format YYYYMMDD Pos FI Identifier (9 digit Routing and Transit Number) Pos Message generation source ("B" if generated by a TCH FI) Pos Alphabetic serial identifier (2 alphabetic characters) Pos Message serial number (10 numeric characters) V2.1 format description: Pos Prefix "M" Pos File creation date in format YYYYMMDD 2018 The Clearing House Payments Company L.L.C. 4

5 2.1.3 Assigner Agent / Member Identification (Index 1.53) was updated to include a note regarding validation of the Member ID Original Message Identification (Index 4.90), Original Instruction Identification (Index 4.237), and Original Transaction Identification (Index 4.239) were updated to include a note regarding system validation Updated examples of Original Message Identification (Index 4.90), Original Instruction Identification (Index 4.237), and Original Transaction Identification (Index 4.239) to reflect the expected format of these identifiers Product Usage description was updated for clarity in the noted fields. These changes are not material to the meaning or usage of the fields Postal Address (Index and ): A note was added to indicate which fields of Structured Address are required when postal address is present Occurrence column updated to reflect RTPspecific usage rather than ISO general requirements. (These changes are also reflected in the Detail Message Field Descriptions for fields noted.) M/O/C column updated to reflect RTP product usage Assignment Identification (Index 1.1) Format extended to 35 characters (originally defined as 31 characters). Additionally, a Rule is noted to show that the first 20 characters of message ID are validated structurally. If the structure is not as defined, Pos FI Identifier (11 digit Participant ID) Pos Message generation source ("B" if generated by a TCH FI) Pos Alphabetic serial identifier (3 alphabetic characters) Pos Message serial number (11 numeric characters) Note: The system validates that the participant indicated in the Assignment ID (positions 10-20) owns the Routing and Transit Number contained within this field. Note: The system does not validate the information within this field. If detailed format descriptions were previously given in these field descriptions, they were removed. These fields reference previously created identifiers from previously submitted messages. Updated fields include: None. The following fields were updated from [0..1] to [1..1]: The following fields were updated as noted: M C V2.0 format description: Pos Prefix "M" Pos File creation date in format YYYYMMDD Pos FI Identifier (9 digit Routing and Transit Number) Pos Message generation source ("B" if generated by a TCH FI) 2018 The Clearing House Payments Company L.L.C. 5

6 RTP will reject with an Administration Advice message with Reason Code 650. The example was updated to reflect the format change Assigner Agent / Member Identification (Index 1.53) was updated to include a note regarding validation of the Member ID Resolved Case Identification (Index 4.4) note was revised for clarity Original Message Identification (Index 4.90) updated to include a note regarding system validation. Example Original Message Identification was updated to reflect the expected format of this field. Pos Alphabetic serial identifier (2 alphabetic characters) Pos Message serial number (10 numeric characters) V2.1 format description: Pos Prefix "M" Pos File creation date in format YYYYMMDD Pos FI Identifier (11 digit Participant ID) Pos Message generation source ("B" if generated by a TCH FI) Pos Alphabetic serial identifier (3 alphabetic characters) Pos Message serial number (11 numeric characters) Note: The system validates that the participant indicated in the Assignment ID (positions 10-20) owns the Routing and Transit Number contained within this field. It is also noted that the system does not validate the format of this field. Note: The system does not validate the information within this field. The detailed format description previously given in this field description was removed. This field references a previously created identifier from a previously submitted message The Clearing House Payments Company L.L.C. 6

7 CHANGES VERSION 2.1 TO VERSION 2.2 Section Change Comments Generally All All changes within this document are for clarification purposes only. No changes are required by current RTP Participants to comply with updates to this specification. 1.6 Removed section 1.6 Validation None Updated description of camt.056 usage for clarity Removed reason code RC03 from Assigner Member ID (Index 1.53) Corrected name of Index to Creation Date and Time Added note to Case Creator Member ID (Index 2.53) to note that this field should be equal to Assignment Assigner Member ID Corrected example Original Message Name Identification (Index 4.91) Updated Product Usage of Original Interbank Settlement Date (Index 4.243) to clarify that in the case of a System Time-Out, this field would include the date on which the Credit Transfer was intended to settle Updated Product Usage of Originator Name (Index 4.326) to clarify that this should equal the name of the Debtor from the original Credit Transfer Updated Originator / Other / Id (Index 4.342): - Product Usage (for Return) - Reason Codes - Note None. If the camt.056 sender s routing number does not exist in RTP, the system will reject the message with an admi.002 and reason code 650. Previously read Creator Date Time, but usage is the same. None. None. None. None. Product Usage notes that this field is required for Request for Return of Funds messages. Reason Code RC03 was removed (see above). Note added to show that this field should equal Case Creator Member ID and Assignment Assigner Member ID Updated Product Usage (Return) of Original Transaction Reference (Index 4.372) for clarity Updated scope to clarify proper usage of the camt.029 message. None. None The Clearing House Payments Company L.L.C. 7

8 2.2.3 Updated Assignment Id (Index 1.1) product usage to remove mention of TPSP Removed Assigner Agent Member ID (Index 1.53) Reason Code RC Changed Reason Code within Assignee Agent Member ID (Index 1.137) from RC04 to RC Original Message Name Identification (Index 4.91) Rules corrected Removed columns for RTP Usage, FI Usage, and Notes None. If the camt.029 sender s routing number does not exist in RTP, the system will reject the message with an admi.002 and reason code 650. None. None. These columns were not necessary as usage is always by the FI and no additional notes were provided The Clearing House Payments Company L.L.C. 8

9 CONTENTS 1 Changes Version 2.0 to Version CHANGES VERSION 2.1 TO VERSION Contents INTRODUCTION Document Purpose Scope Acronyms Message Format Description and Overall Message Structure Occurrence Information Date / Time Format MESSAGE STRUCTURE SYSTEM TIME-OUT AND REQUEST FOR RETURN OF FUNDS System Time-out / Request for Return of Funds camt Scope Message Structure Description Detail Message Field Description Response to Request for Return of Funds camt Scope Message Structure Description Detail Message Field Description APPENDIX List and Usage of ISO Error Codes (Reject / Reason Codes) Usage in camt Usage in camt The Clearing House Payments Company L.L.C. 9

10 1 INTRODUCTION 1.1 Document Purpose 1.2 Scope This document defines the standard product message formats used within RTP, a real-time payment system from The Clearing House, for sending and receiving a System Time-out / Request for Return of Funds message (camt.056), between RTP and Participants using the System. Participants should use this document as a reference as they develop their messaging systems to send and receive real-time messages in the ISO format. This document covers the following: The message structure of the camt and the camt messages used in RTPS The required data types and usage rules of the data fields in the messages This document does not include message flows for camt and camt messages. 1.3 Acronyms Acronym BAH ET ISO TPSP UNIFI XML Description Business Application Header Eastern Time International Standards Organization Third Party Service Provider Universal Financial Industry Message scheme Extensible Mark-up Language 2018 The Clearing House Payments Company L.L.C. 10

11 1.4 Message Format Description and Overall Message Structure Return of Funds Message Version 2.2 Information about the message format and the overall message structure are provided in the document The Clearing House Business Application Header chapters: 2 Message Format Description 3 Overall Message Structure Occurrence Information The Message Structure Description and Detail Message Field Description Sections include an Occurrence definition that indicates how each XML field is to be used within RTP. These occurrence notations have two element. The first character is a binary indicator to show whether a field is mandatory (1) or optional (0). The second character indicates how many occurrences of the field are allowed within RTP usage. This starts at 1 occurrence and can extend to an unlimited number n. Notation Description [1..1] Is a mandatory single field with one occurrence [0..1] Is an optional field with one occurrence [0..n] Is an optional field with unlimited occurrences Please note that RTP product usage of each field is consistent with, but not always equal to, ISO defined occurrence. For example, ISO may define a field as optional with one occurrence [0..1], but such field may be defined as required with one occurrence [1..1] within RTP. Further, if a field is a mandatory sub-element of an optional field, the occurrence represents the nature of the sub-element should the optional field be present. For example, while Date and Place of Birth (Index within the Credit Transfer (pacs.008) message) is an optional field, if it is present, Birth Date, City of Birth, and Country of Birth must also be present. Therefore, these fields are represented as being mandatory with a single occurrence ([1..1]) even though they may not be present in every Credit Transfer message. Index XML Tag Element Name Occurr. Length M/O/C DtAndPlcOfBirth Date And Place Of Birth [0..1] C BirthDt Birth Date [1..1] 10 C CityOfBirth City Of Birth [1..1] 35 C CtryOfBirth Country Of Birth [1..1] 2 C 1 M mandatory / O optional / C - conditional 2018 The Clearing House Payments Company L.L.C. 11

12 1.5 Date / Time Format All message processing dates are required to be set to Eastern Time (Eastern Standard Time or Eastern Daylight Time, as applicable under the Clean Energy Act of 2005) by the message sender. This includes the following fields: Creation Date Time Interbank Settlement Date (set by RTP) Date field within the Message Identification field Date field within the Instruction Identification field Date field within the Transaction Identification field 2018 The Clearing House Payments Company L.L.C. 12

13 2 MESSAGE STRUCTURE SYSTEM TIME-OUT AND REQUEST FOR RETURN OF FUNDS 2.1 System Time-out / Request for Return of Funds camt Scope There is a dual usage for the ISO Payment Cancellation Request (camt.056) in the RTP. This message is used for: Notification to the Creditor FI that a response to a credit transfer was not received prior to expiration of the system time-out period (System Time-Out). Request for Return of Funds initiated by the Debtor FI to facilitate the investigation and resolution process between Debtor FI and Creditor FI. The System Time-Out message is initiated by the System and sent to the Creditor FI that failed to respond to the System prior to expiration of the time-out counter. Upon receipt of a System Time-out message, the Creditor FI must respond with a Message Status Report (pacs.002) confirming receipt of the System Time-out message. Note: for non-pacs.008 messages, When the RTP time-out counter expires for the receiving FI, the original transaction is removed from the blackboard and the transaction is considered complete. System will not send a cancelation message to the Receiver of the original message and will not send a pacs.002 indicating timeout to the Sender of the message. A Request for Return of Funds message is initiated by the original Debtor FI upon notification from the debtor of an erroneous or fraudulently induced payment. The system forwards the message to the original Creditor FI, who must respond with a Message Status Report (pacs.002) confirming receipt of the Request for Return of Funds message. The business response to the Request for Return of Funds is a Resolution of Investigation (camt.029) message, also referred to as a Response to the Request for Return of Funds. The Resolution of Investigation (camt.029) message may either be a positive response, indicating that funds will be returned, or negative (rejected), indicating that funds will not be returned. In either case, the response is not expected to be immediate, but after an investigation by the Creditor FI. If the Creditor FI returns funds via the Real-time Payment System it will create a new Credit Transfer message (pacs.008) that includes a reference to the original credit transfer. Documentation of the specification for this message is provided in the Credit Transfer Message Specification document The Clearing House Payments Company L.L.C. 13

14 2.1.2 Message Structure Description Return of Funds Message Version 2.2 Index XML Tag Element Name Occurr. Length M/O/C FIToFIPmtCxlReq FITo FIPayment Cancellation Request [1..1] M V Assgnmt Assignment [1..1] M 1.1 Id Identification [1..1] 35 M 1.2 Assgnr Assigner [1..1] M 1.46 Agt Agent [1..1] M 1.47 FinInstnId Financial Institution Identification [1..1] M 1.49 ClrSysMmbId Clearing System Member Identification [1..1] M 1.53 MmbId Member Identification [1..1] 9 M 1.86 Assgne Assignee [1..1] M Agt Agent [1..1] M FinInstnId Financial Institution Identification [1..1] M ClrSysMmbId Clearing System Member Identification [1..1] M MmbId Member Identification [1..1] 9 M CreDtTm Creation Date Time [1..1] 19 M 2.0 Case Case [1..1] M 2.1 Id Identification [1..1] 35 M 2.2 Cretr Creator [1..1] M 2.46 Agt Agent [1..1] M 2.47 FinInstnId Financial Institution Identification [1..1] M 2.49 ClrSysMmbId Clearing System Member Identification [1..1] M 2.53 MmbId Member Identification [1..1] 9 M 4.0 Underlying [1..1] M 4.1 OrgnlGrpInfAndCxl Original Group Information And Cancellation [1..1] M 4.90 OrgnlMsgId Original Message Identification [1..1] 35 M 4.91 OrgnlMsgNmId Original Message Name Identification [1..1] 35 M 4.92 OrgnlCreDtTm Original Creation Date Time [0..1] 19 C TxInf Transaction Information [1..1] M OrgnlInstrId Original Instruction Identification [1..1] 35 M OrgnlEndToEndId Original End To End Identification [0..1] 35 O OrgnlTxId Original Transaction Identification [1..1] 35 M OrgnlClrSysRef Original Clearing System Reference [1..1] 35 M OrgnlIntrBkSttlmAmt Original Interbank Settlement Amount [1..1] 18 M Ccy Currency [1..1] 3 M OrgnlIntrBkSttlmDt Original Interbank Settlement Date [1..1] 10 M CxlRsnInf Cancellation Reason Information [1..1] M Orgtr Originator [0..1] C Nm Name [0..1] 140 C Id Identification [0..1] C OrgId Organisation Identification [1..1] C Othr Other [1..1] C Id Identification [1..1] 9 C Rsn Reason [1..1] M Cd Code [1..1] 4 M AddtlInf Additional Information [0..1] 105 O OrgnlTxRef Original Transaction Reference [0..1] C Dbtr Debtor [0..1] C 2018 The Clearing House Payments Company L.L.C. 14

15 Index XML Tag Element Name Occurr. Length M/O/C Nm Name [1..1] 140 C PstlAdr Postal Address [0..1] C StrtNm Street Name [0..1] 70 C BldgNb Building Number [0..1] 16 C PstCd Post Code [0..1] 16 C TwnNm Town Name [0..1] 35 C Ctry Country [0..1] 2 C Id Identification [0..1] C PrvtId Private Identification [1..1] C DtAndPlcOfBir Date And Place Of Birth [0..1] C th BirthDt Birth Date [1..1] 10 C CityOfBirth City Of Birth [1..1] 35 C CtryOfBirth Country Of Birth [1..1] 2 C Cdtr Creditor [0..1] C Nm Name [1..1] 140 C PstlAdr Postal Address [0..1] C StrtNm Street Name [0..1] 70 C BldgNb Building Number [0..1] 16 C PstCd Post Code [0..1] 16 C TwnNm Town Name [0..1] 35 C Ctry Country [0..1] 2 C Id Identification [0..1] C PrvtId Private Identification [1..1] C DtAndPlcOfBir Date And Place Of Birth [0..1] C th BirthDt Birth Date [1..1] 10 C CityOfBirth City Of Birth [1..1] 35 C CtryOfBirth Country Of Birth [1..1] 2 C Detail Message Field Description The following section provides the detailed information of each element used in the System Time-out / Request for Return of Funds message for RTP. In some cases, a single field has two different meanings: the ISO Definition, and the RTP Product Usage. In these instances, the first definition is based on the ISO specification provided by the ISO RMG group. The second definition is the definition The Clearing House developed for the product usage of this element within the RTP implementation. The second definition is only provided where the RTP product usage is different from the ISO group specification, or where more detailed information of the usage of this field is required. For the ISO Definition and further detail on the message itself please refer to the official ISO website ( Note: To identify specific usage of various fields within the camt.056 message, two different product usages are provided is the Detailed Field Description section below: 2018 The Clearing House Payments Company L.L.C. 15

16 Product Usage Time-out to describe functionality relating to a system time-out message Product Usage Return to describe functionality relating to a Request for Return of Funds message FI To FI Payment Cancellation Request V05 Assignment Assgnmt Identifies the assignment of an investigation case from an assigner to an assignee. Index: 1.0 Usage: The Assigner must be the sender of this confirmation and the Assignee must be the receiver <Assgnmt> Identification Assgnmt +Id Product Usage: Uniquely identifies the case assignment. Time-out: Assigned by RTP to uniquely identify the System Timeout message. Return: Assigned by the Debtor FI to uniquely identify the Request for Return of Funds message. The uniqueness of a camt.056 message is determined by the Assignment Identification and is based on the format below. RTP will use the Assignment ID to perform a check for a duplicate transaction within the duplicate checking period and as a reference in other non-payment and payment messages (i.e. Response to Request for Return of Funds or Credit Transfer). Index: 1.1 <Id> Format: Expected Format: MYYYYMMDDbbbbbbbbbbbXAAAnnnnnnnnnnn Pos Prefix "M" Pos File creation date in format YYYYMMDD Pos FI Identifier (11 digit Participant ID) Pos Message generation source ("B" if generated by a TCH FI) Pos Alphabetic serial identifier (3 alphabetic characters) Pos Message serial number (11 numeric characters) 2018 The Clearing House Payments Company L.L.C. 16

17 Rules: The first 20 characters of Assignment Identification (positions 01-20) are validated for structural alignment in accordance with the format specification. Reason Codes: Business validations for the Assignment Identification include: Embedded date (positions 02-09) must be within 1 calendar day of the system date. Embedded Participant ID (positions 10-20) must be owned by the Instructing Agent. Reject with Message Status Report (pacs.002) if: Assignment Identification matches a previously completed transaction (DUPL); Embedded date is not within 1 calendar day of the system date (DT04) Participant ID is not owned by the Instructing Agent (DS0H) If structural validation fails, reject with reason code 650 in Administration Advice message (admi.002). <Id>M HIIA </Id> Assigner Assgnmt +Assgnr Index: 1.2 Party who assigns the case. Usage: This is also the sender of the message. <Assgnr> Agent Assgnmt +Assgnr ++Agt Index: 1.46 Identification of a financial institution. <Agt> Financial Institution Identification Assgnmt +Assgnr ++Agt +++FinInstnId Unique and unambiguous identification of a financial institution, as assigned under an internationally recognized or proprietary identification scheme. Index: 1.47 <FinInstnId> 2018 The Clearing House Payments Company L.L.C. 17

18 Clearing System Member Identification Assgnmt +Assgnr ++Agt +++FinInstnId ++++ClrSysMmbId Index: 1.49 Return of Funds Message Version 2.2 Information used to identify a member within a clearing system. <ClrSysMmbId> Member Identification Assgnmt +Assgnr ++Agt +++FinInstnId ++++ClrSysMmbId +++++MmbId Identification of a member of a clearing system. Product Usage: Time-out: The assigned 9 digit Routing Number of RTP. Return: Index: 1.53 Identification of the Debtor FI that initiated the Request for Return of Funds message. <MmbId> Format: Rules: Reason Code(s): Note: 9 digit Routing and Transit Number Member Identification must be valid 9 digit Routing and Transit Number for an FI or 9 digit Routing Number assigned to RTP. For a Return: reject with Message Status Report (pacs.002) if: Routing and Transit number is not authorized to send this specific message (reason code 'AG03') agent is signed off (reason code 9934 ) agent is suspended (reason code 9946 ) the sender of the message is not authorized to submit messages on behalf of this agent (reason code DS0H ) The system validates that the participant indicated in the Assignment ID (positions 10-20) owns the Routing and Transit Number contained within this field. <MmbId> </MmbId> Assignee Assgnmt +Assgne Index: 1.86 Party to which the case is assigned. Usage: This is also the receiver of the message. <Assgne> 2018 The Clearing House Payments Company L.L.C. 18

19 Agent Assgnmt +Assgne ++Agt Identification of a financial institution. Index: <Agt> Financial Institution Identification Assgnmt +Assgne ++Agt +++FinInstnId Index: Unique and unambiguous identification of a financial institution, as assigned under an internationally recognized or proprietary identification scheme. <FinInstnId> Clearing System Member Identification Assgnmt +Assgne ++Agt +++FinInstnId ++++ClrSysMmbId Index: Information used to identify a member within a clearing system. <ClrSysMmbId> Member Identification Assgnmt +Assgne ++Agt +++FinInstnId ++++ClrSysMmbId +++++MmbId Identification of a member of a clearing system. Product Usage Time-out: The 9 digit routing number of the Instructed Agent (Creditor FI) Return: Index: <MmbId> Same usage as above Format: Rules: Reason Codes: 9 digit Routing and Transit Number Member Identification must be valid 9 digit Routing and Transit Number. In Return, reject with Message Status Report (pacs.002) if: Routing and Transit number is not supported in RTP (reason code 'RC04') Routing and Transit number is not authorized to receive this business message (reason code 'AG03') 2018 The Clearing House Payments Company L.L.C. 19

20 Agent is signed-off (reason code '9910') Agent is suspended (reason code '9947') Receiver connection is unavailable (reason code 9912 ) <MmbId> </MmbId> Creation Date Time Assgnmt +CreDtTm Date and time at which the assignment was created. Product Usage Time-out: The date and time the assignment was created Return: Index: <CreDtTm> Same usage as above Format: Note: YYYY-MM-DDThh:mm:ss The date is required to be set to Eastern Time (ET). <CreDtTm> T10:09:33</CreDtTm> Case Case Identifies the investigation case. Index: 2.0 <Case> Identification Case +Id Uniquely identifies the case. Product Usage: Time-out: Assigned by RTP to uniquely identify the System Time-out message. Index: 2.1 Return: The Identification for the Case uses the same Identification that was used for the Assignment. <Id> Rules: Note: For Request for Return of Funds this must be equal to the Assignment ID. Format specification see element Assignment/Id. The information in this field will not be validated by the System. <Id>M BRFA </Id> 2018 The Clearing House Payments Company L.L.C. 20

21 Creator Case +Cretr Product Usage: Index: 2.2 Party that created the investigation case. Time Out Information for RTP as the System initiated the System Time-out message. Return: <Cretr> The creator of the Request for Return of Funds message will only use the element Agent (Debtor FI) Rule(s): Only element Agent is allowed. Agent Case +Cretr ++Agt Identification of a financial institution. Index: 2.46 <Agt> Financial Institution Identification Case +Cretr ++Agt +++FinInstnId Unique and unambiguous identification of a financial institution, as assigned under an internationally recognized or proprietary identification scheme. Index: 2.47 <FinInstnId> Clearing System Member Identification Information used to identify a member within a clearing system. Case +Cretr ++Agt +++FinInstnId ++++ClrSysMmbId Index: 2.49 <ClrSysMmbId> Member Identification Case +Cretr ++Agt +++FinInstnId Identification of a member of a clearing system. Product Usage: Time-out: This is the assigned 9 digit Routing Number associated with RTP The Clearing House Payments Company L.L.C. 21

22 ++++ClrSysMmbId +++++MmbId Return: Index: 2.53 This is the Debtor FI that created the Request for Return of Funds. <MmbId> Rules: Reason Code: Note: Member Identification must be valid 9 digit Routing and Transit Number. For Return, reject with Message Status Report (pacs.002) if: Routing and Transit number is not supported in RTP (reason code 'RC03') Routing and Transit number is not authorized to send this specific message (reason code 'AG03') agent is signed off (reason code 9934 ) agent is suspended (reason code 9946 ) the sender of the message is not authorized to submit messages on behalf of this agent (reason code DS0H ) Case Creator Member ID must equal Assignment Assigner Member ID. <MmbId> </MmbId> Underlying References the payment instruction or statement entry that a party is unable to execute or unable to reconcile Product Usage: Time-out: Identifies the payment instruction which will be timed-out by RTP. Return: Index: 4.0 <> Identifies the payment instruction from the original Credit Transfer (pacs.008) for which the Debtor FI is requesting the return of funds. Original Group Information And Cancellation +OrgnlGrpInfAndCxl Index: 4.1 Provides information on the original message, to which the cancellation refers. <OrgnlGrpInfAndCxl> 2018 The Clearing House Payments Company L.L.C. 22

23 Original Message Identification +OrgnlGrpInfAndCxl ++OrgnlMsgId Product Usage: Point to point reference, as assigned by the original instructing party, to unambiguously identify the original message. Time-out: Message identification from the original Credit Transfer (pacs.008) message. Return: Same usage as above. Index: 4.90 <OrgnlMsgId> Note: The format for Message Identification is defined within the Credit Transfer (pacs.008) message specification (Index 1.1). <OrgnlMsgId>M BFFF </OrgnlMs gid> Original Message Name Identification +OrgnlGrpInfAndCxl ++OrgnlMsgNmId Product Usage: Specifies the original message name identifier to which the message refers. Time-out: Message identification from the original Credit Transfer (pacs.008) message. Return: Index: 4.91 Same usage as above. <OrgnlMsgNmId> Rules: Must be pacs for Credit Transfer <OrgnlMsgNmId>pacs </OrgnlMsgNmId> Codes Name / Description pacs Credit Transfer Original Creation Date Time +OrgnlGrpInfAndCxl ++OrgnlCreDtTm Product Usage: Date and time at which the original message was created. Time-out: Not being used in case of a System Time-out. Return: The Creation Date Time (Index 1.2) of the original Credit Transfer (pacs.008) message. This field is required within a Request for Return of 2018 The Clearing House Payments Company L.L.C. 23

24 Funds. Index: 4.92 <OrgnlCreDtTm> Format: Reason Codes: Note: YYYY-MM-DDThh:mm:ss Reject with code '650' in Administration Advice message (admi.002) if not valid. The date is required to be set to Eastern Time (ET). <OrgnlCreDtTm> T10:05:00</OrgnlCreDtTm> Transaction Information Provides information on the original transactions to which the cancellation request message refers. Index: <TxInf> Original Instruction Identification ++OrgnlInstrId Product Usage: Unique identification, as assigned by the original instructing party for the original instructed party, to unambiguously identify the original instruction. Time-out: The Instruction ID from the original Credit Transfer (pacs.008) message. Return: Same usage as above. Index: <OrgnlInstrId> Note: This is the Instruction Identification from the original pacs.008. <OrgnlInstrId> BFFAA </OrgnlInst rid> Original End To End Identification Unique identification, as assigned by the original initiating party, to unambiguously identify the original transaction The Clearing House Payments Company L.L.C. 24

25 ++OrgnlEndToEndId Product Usage: Time-out: The End To End ID from the original Credit Transfer (pacs.008) instruction. Return: Index: <OrgnlEndToEndId> Same usage as above. <OrgnlEndToEndId>E2E-Ref001</OrgnlEndToEndId> Original Transaction Identification ++OrgnlTxId Unique identification, as assigned by the original first instructing agent, to unambiguously identify the transaction. Product Usage: Time-out: The Transaction ID from the original Credit Transfer (pacs.008) instruction. Return: Index: <OrgnlTxId> Same usage as above. Note: The structure of this field is not validated by the system. <OrgnlTxId> BSRFP </OrgnlTxId> Original Clearing System Reference ++OrgnlClrSysRef Unique reference, as assigned by the original clearing system, to unambiguously identify the original instruction. Product Usage: Time-out The Reconciliation Window from the original Credit Transfer (pacs.008) instruction. Return Index: <OrgnlClrSysRef> Same usage as above. <OrgnlClrSysRef>001</OrgnlClrSysRef> Original Interbank Settlement Amount ++OrgnlIntrBkSttlmAmt Product Usage: Amount of money, as provided in the original transaction, to be moved between the instructing agent and the instructed agent. Time-out: The total amount that the Debtor FI was obligated to pay the Creditor FI upon the Creditor FI s acceptance of the payment instructed by the Credit 2018 The Clearing House Payments Company L.L.C. 25

26 Return: Index: Transfer (pacs.008) message. Same usage as above. <OrgnlIntrBkSttlmAmt> <OrgnlIntrBkSttlmAmt>525.5</OrgnlIntrBkSttlmAmt> Attribute: Index: Currency A code allocated to a currency by a Maintenance Agency under an international identification scheme, as described in the latest edition of the international standard ISO 4217 "Codes for the representation of currencies and funds". Exmple: Codes USD <Ccy> USD Name / Description US Dollar Numeric code: 840 Original Interbank Settlement Date ++OrgnlIntrBkSttlmDt Date, as provided in the original transaction, on which the amount of money ceases to be available to the agent that owes it and when the amount of money becomes available to the agent to which it is due. Product Usage: Time-out: The Settlement date of this payment. Takes the date element from the Reconciliation Window in which the payment was intended to be settled (see note below). Return: The Settlement Date of the Original Credit Transfer. Index: <OrgnlIntrBkSttlmDt> Note: Only for System Time-out: Although the date is present the original transaction will never have been settled. <OrgnlIntrBkSttlmDt> </OrgnlIntrBkSttlmDt> Cancellation Reason Information 2018 The Clearing House Payments Company L.L.C. 26

27 ++CxlRsnInf Provides detailed information on the cancellation reason. Index: <CxlRsnInf> Originator ++CxlRsnInf +++Orgtr Party that issues the cancellation request. Product Usage: Time-out: Not used Return: Index: <Orgtr> Identification of the original initiator for the Request for Return of Funds. This is the Debtor FI of the original Credit Transfer. Name ++CxlRsnInf +++Orgtr ++++Nm Name by which a party is known and which is usually used to identify that party. Product Usage: Time-out: Not used Return: Index: <Nm> Official name of the Debtor associated with the Request for Return of Funds message. Debtor should be the same Debtor as indicated in the original Credit Transfer message. This field is required for a Request for Return of Funds. Note: Official Name Debtor FI has registered for the account. <Nm>Debtor Name</Nm> Identification ++CxlRsnInf +++Orgtr ++++Id Unique and unambiguous identification of a party. Index: <Id> 2018 The Clearing House Payments Company L.L.C. 27

28 Organization Identification ++CxlRsnInf +++Orgtr ++++Id +++++OrgId Index: Unique and unambiguous way to identify an organization. <OrgId> Other ++CxlRsnInf +++Orgtr ++++Id +++++OrgId Othr Index: Unique identification of an organisation, as assigned by an institution, using an identification scheme. <Othr> Identification ++CxlRsnInf +++Orgtr ++++Id +++++OrgId Othr Id Identification assigned by an institution. Product Usage: Time-out: Not used Return: Index: <Id> Identification of the Debtor FI which initiated the Request for Return message. This field is required for Request for Return of Funds messages. Format: Rules: Reason Codes Note: 9 digit Routing and Transit Number Member Identification must be valid 9 digit Routing and Transit Number. Reject with Message Status Report (pacs.002) if: Routing and Transit number is not authorized to receive this business message (reason code 'AG03') agent is signed-off (reason code 9910 ) agent is suspended (reason code 9947 ) This field should be equal to both Case Creator Member ID and Assignment Assigner Member ID. <Id> </Id> 2018 The Clearing House Payments Company L.L.C. 28

29 Reason ++CxlRsnInf +++Rsn Specifies the reason for the cancellation. Product Usage: Time-out: As a result of a time-out, the code DS24 (Time-out) is used. Return: Index: For the Request for Return of Funds message the relevant return reason code must be used. <Rsn> Code ++CxlRsnInf +++Rsn ++++Cd Product Usage: Reason for the cancellation request, in a coded form. Time-out: The reason for the System Time-out - code 'DS24' (Timeout) Return: Reason code for the Request for Return of Funds. Index: <Cd> Note: Codes CUST DS24 DUPL FRAD TECH DS24 is used for System Time-out only and may not be used in the Request for Return of Funds. <Cd>DUPL</Cd> Name / Description RequestedByCustomer Cancellation requested by the Debtor due to Debtor's mistake or error. Time-out Waiting time expired due to incomplete order DuplicatePayment Payment is a duplicate of another payment. FraudulentOrigin Debtor claims payment was unauthorized or fraudulently induced. TechnicalProblem Cancellation requested following technical problems resulting in an erroneous transaction The Clearing House Payments Company L.L.C. 29

30 Additional Information ++CxlRsnInf +++AddtlInf Further details on the cancellation request reason. Product Usage: Time-out: Not used Return: Index: <AddtlInf> This field is used to provide additional information regarding why the Request for Return of Funds was initiated. <AddtlInf>More details regarding reason for Request for Return of Funds</AddtlInf> Original Transaction Reference Product Usage: Key elements used to identify the original transaction that is being referred to. Time-out: Not used Return: This field provides only Information about Debtor and Creditor to assist the message receiver in uniquely identifying the payment. Index: <OrgnlTxRef> Debtor +++Dbtr Product Usage: Party that owes an amount of money to the (ultimate) creditor. Time-out: Not used Return: The party (Sender) that instructs its Financial Institution to pay the Creditor/ Receiver. These fields should be present if they were present in the original Credit Transfer. Index: <Dbtr> Occurrences: (0..1] 2018 The Clearing House Payments Company L.L.C. 30

31 Name +++Dbtr ++++Nm Product Usage: Name by which a party is known and which is usually used to identify that party. Time-out: Not used Return: Debtor Name from the original Credit Transfer. Index: <Nm> <Nm>Debtor Name</Nm> Postal Address +++Dbtr ++++PstlAdr Index: Information that locates and identifies a specific address, as defined by postal services. <PstlAdr> Rule: Notes: Only structured Address possible. If Postal Address is present, Street Name, Postal Code, Town Name, and Country are required. This Element could be used to conditionally disposition OFAC checks if a Business is sending the payment. Structured Address includes the elements "StreetName / BuildingNumber / PostCode /TownName and Country". Street Name +++Dbtr ++++PstlAdr +++++StrtNm Name of a street or thoroughfare Index: <StrtNm> <StrtNm>The Empire State Building, 5th Ave</StrtNm> 2018 The Clearing House Payments Company L.L.C. 31

32 Building Number +++Dbtr ++++PstlAdr +++++BldgNb Number that identifies the position of a building on a street. Product Usage: This is an optional field within RTP. Index: <BldgNb> <BldgNb>350</BldgNb> Post Code +++Dbtr ++++PstlAdr +++++PstCd Index: Identifier consisting of a group of letters and/or numbers that is added to a postal address to assist the sorting of mail. <PstCd> <PstCd>NY 10118</PstCd> Town Name +++Dbtr ++++PstlAdr +++++TwnNm Index: Name of a built-up area, with defined boundaries, and a local government. <TwnNm> <TwnNm>New York</TwnNm> Country +++Dbtr ++++PstlAdr +++++Ctry Nation with its own government. Index: <Ctry> 2018 The Clearing House Payments Company L.L.C. 32

33 <Ctry>US</Ctry> Identification +++Dbtr ++++Id Unique and unambiguous identification of a party. Index: <Id> Note: If present this could be used on a conditional basis for OFAC checking an individual. Only element Date and Place of Birth are available. Private Identification +++Dbtr ++++Id +++++PrvtId Unique and unambiguous identification of a person, eg, passport. Product Usage: Time-out: Not used Return: Only Date of Birth is used for OFAC checking. Index: <PrvtId> Date And Place Of Birth +++Dbtr ++++Id +++++PrvtId DtAndPlcOfBirth Date and place of birth of a person. Index: <DtAndPlcOfBirth> Birth Date +++Dbtr ++++Id +++++PrvtId DtAndPlcOfBirth BirthDt Index: Date on which a person is born. <BirthDt> Format: YYYY-MM-DD 2018 The Clearing House Payments Company L.L.C. 33

34 <BirthDt> </BirthDt> City of Birth +++Dbtr ++++Id +++++PrvtId DtAndPlcOfBirth CityOfBirth +++++CityOfBirth City where a person was born. Index: Note: <CityOfBirth> This field is a mandatory ISO field if Date and Place of Birth is utilized, but the content of this field will not be validated by the System. <CityOfBirth>City</CityOfBirth> Country of Birth +++Dbtr ++++Id +++++PrvtId DtAndPlcOfBirth CtryOfBirth Index: Note: Country where a person was born. <CtryOfBirth> This field is a mandatory ISO field if Date and Place of Birth is utilized, but will not be validated by the System. <CtryOfBirth>US</CtryOfBirth> Creditor +++Cdtr Product Usage: Party to which an amount of money is due. Time-out: Not used. Return: The party (Receiver) that receives payment from the Debtor / Sender. These fields should be present if they were present in the original Credit Transfer. Index: <Cdtr> Name +++Cdtr Name by which a party is known and which is usually used to identify that party. Product Usage: Time-out: Not used 2018 The Clearing House Payments Company L.L.C. 34

35 ++++Nm Return: Creditor Name from the original Credit Transfer Index: <Nm> <Nm>Creditor Name</Nm> Postal Address +++Cdtr ++++PstlAdr Index: Information that locates and identifies a specific address, as defined by postal services. <PstlAdr> Rule: Notes: Only structured Address possible. If Postal Address is present, Street Name, Postal Code, Town Name, and Country are required. This Element could be used to conditionally disposition OFAC checks if a Business is sending the payment. Structured Address includes the elements "StreetName / BuildingNumber / PostCode /TownName and Country". Street Name +++Cdtr ++++PstlAdr +++++StrtNm Name of a street or thoroughfare Index: <StrtNm> <StrtNm>Park Avenue</StrtNm> Building Number +++Cdtr ++++PstlAdr +++++BldgNb Number that identifies the position of a building on a street. Product Usage: This is an optional field within RTP. Index: <BldgNb> 2018 The Clearing House Payments Company L.L.C. 35

36 <BldgNb>45, Apt. 303</BldgNb> Post Code +++Cdtr ++++PstlAdr +++++PstCd Index: Identifier consisting of a group of letters and/or numbers that is added to a postal address to assist the sorting of mail. <PstCd> <PstCd>NY 10016</PstCd> Town Name +++Cdtr ++++PstlAdr +++++TwnNm Index: Name of a built-up area, with defined boundaries, and a local government. <TwnNm> <TwnNm>New York</TwnNm> Country +++Cdtr ++++PstlAdr +++++Ctry Nation with its own government. Index: <Ctry> <Ctry>US</Ctry> Identification +++Cdtr ++++Id Unique and unambiguous identification of a party. Index: <Id> 2018 The Clearing House Payments Company L.L.C. 36