1、BS ISO11649:2009ICS 03.060NO COPYING WITHOUT BSI PERMISSION EXCEPT AS PERMITTED BY COPYRIGHT LAWBRITISH STANDARDFinancial services Core banking Structured creditorreference to remittanceinformationThis British Standardwas published under theauthority of the StandardsPolicy and StrategyCommittee on 3
2、1 December2009 BSI 2009ISBN 978 0 580 62706 4Amendments/corrigenda issued since publicationDate CommentsBS ISO 11649:2009National forewordThis British Standard is the UK implementation of ISO 11649:2009.The UK participation in its preparation was entrusted to TechnicalCommittee IST/12, Financial ser
3、vices.A list of organizations represented on this committee can be obtained onrequest to its secretary.This publication does not purport to include all the necessary provisionsof a contract. Users are responsible for its correct application.Compliance with a British Standard cannot confer immunityfr
4、om legal obligations.BS ISO 11649:2009Reference numberISO 11649:2009(E)ISO 2009INTERNATIONAL STANDARD ISO11649First edition2009-03-15Financial services Core banking Structured creditor reference to remittance information Services financiers Oprations bancaires centrales Rfrence structure de crancier
5、 linformation de remise BS ISO 11649:2009ISO 11649:2009(E) PDF disclaimer This PDF file may contain embedded typefaces. In accordance with Adobes licensing policy, this file may be printed or viewed but shall not be edited unless the typefaces which are embedded are licensed to and installed on the
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8、 the Central Secretariat at the address given below. COPYRIGHT PROTECTED DOCUMENT ISO 2009 All rights reserved. Unless otherwise specified, no part of this publication may be reproduced or utilized in any form or by any means, electronic or mechanical, including photocopying and microfilm, without p
9、ermission in writing from either ISO at the address below or ISOs member body in the country of the requester. ISO copyright office Case postale 56 CH-1211 Geneva 20 Tel. + 41 22 749 01 11 Fax + 41 22 749 09 47 E-mail copyrightiso.org Web www.iso.org Published in Switzerland ii ISO 2009 All rights r
10、eservedBS ISO 11649:2009ISO 11649:2009(E) ISO 2009 All rights reserved iiiForeword ISO (the International Organization for Standardization) is a worldwide federation of national standards bodies (ISO member bodies). The work of preparing International Standards is normally carried out through ISO te
11、chnical committees. Each member body interested in a subject for which a technical committee has been established has the right to be represented on that committee. International organizations, governmental and non-governmental, in liaison with ISO, also take part in the work. ISO collaborates close
12、ly with the International Electrotechnical Commission (IEC) on all matters of electrotechnical standardization. International Standards are drafted in accordance with the rules given in the ISO/IEC Directives, Part 2. The main task of technical committees is to prepare International Standards. Draft
13、 International Standards adopted by the technical committees are circulated to the member bodies for voting. Publication as an International Standard requires approval by at least 75 % of the member bodies casting a vote. Attention is drawn to the possibility that some of the elements of this docume
14、nt may be the subject of patent rights. ISO shall not be held responsible for identifying any or all such patent rights. ISO 11649 was prepared by Technical Committee ISO/TC 68, Financial services, Subcommittee SC 7, Core banking. BS ISO 11649:2009ISO 11649:2009(E) iv ISO 2009 All rights reservedInt
15、roduction The use of electronic communication media and services internationally for the transmission of information and payment and payment-related transactions between financial institutions, as well as between financial institutions and their customers, continues to increase. In this environment,
16、 this International Standard has been developed with a view to facilitating automated processes in support of Straight Through Processing (STP), as a means by which financial institutions and their customers can exchange, through Electronic Data Interchange (EDI), structured creditor reference (here
17、after referred to as RF Creditor Reference). The RF Creditor Reference is a means to convey customer payment details in a machine-readable form. It also makes provision for validation of the RF Creditor Reference by making use of a computational check digit. When developing this International Standa
18、rd, it was recognized that there currently exist a limited number of structured creditor references in national schemes with different formats and usage rules. This International Standard provides a means of structuring the information in a way that promotes automated processing both in local and cr
19、oss-border use. It is anticipated that the use of this International Standard in electronic data interchange will: a) reduce the need for manual intervention in the processing of data interchange, b) improve the level of confidence in the accuracy of the information provided, and c) provide certaint
20、y that the information provided is relevant to the customer. It is recognized that the RF Creditor Reference would also be of use in a paper environment. BS ISO 11649:2009INTERNATIONAL STANDARD ISO 11649:2009(E) ISO 2009 All rights reserved 1Financial services Core banking Structured creditor refere
21、nce to remittance information 1 Scope This International Standard specifies the elements of a structured creditor reference (RF Creditor Reference) used to facilitate the processing of data in data interchange and in the financial services, as well as between other business domains. The RF Creditor
22、Reference is designed for use in an automated processing environment, but can also be implemented in other media interchanges (e.g. paper document exchange). This International Standard does not specify internal procedures, file organization techniques, storage media, languages, etc. to be used in i
23、ts implementation. It is applicable only to the textual data that can be conveyed through a system or network. 2 Normative references The following referenced documents are indispensable for the application of this document. For dated references, only the edition cited applies. For undated reference
24、s, the latest edition of the referenced document (including any amendments) applies. ISO/IEC 7064, Information technology Security techniques Check character systems 3 Terms and definitions For the purposes of this document, the following terms and definitions apply. 3.1 creditor reference proprieta
25、ry identifier assigned by the creditor that uniquely and unambiguously identifies a business document or similar set of business data 3.2 RF Creditor Reference creditor reference expanded with the RF Creditor Reference identifier and check digits, intended for use domestically and internationally, w
26、hich uniquely and unambiguously identifies a business document or similar set of business data 3.3 RF Creditor Reference identifier RF unique identifier to denote the structured creditor reference (e.g. in the appropriate Remittance Information element) as an RF Creditor Reference BS ISO 11649:2009I
27、SO 11649:2009(E) 2 ISO 2009 All rights reserved4 Conventions This International Standard uses the conventions listed below for data element representations. Character representations: n digits (numeric characters 0 to 9 only); a upper case letters (alphabetic characters A-Z only); or c upper and low
28、er case alphanumeric characters (A-Z, a-z and 0-9); e blank space. Length indications: nn! fixed length; nn maximum length. 5 Structure The format of the RF Creditor Reference shall be: 2!a2!n21c where the first two letters (2!a) shall always be “RF”, the RF Creditor Reference identifier; the third
29、and fourth characters (2!n) shall be the check digits, as calculated from the scheme defined in this International Standard (see Clause 6); the remaining part of the RF Creditor Reference (up to 21c), creditor reference, shall only contain upper and lower case letters (A to Z and a to z) and numeric
30、 characters (0 to 9), without special characters such as separators and punctuation, that may be used in national creditor reference schemes. For the representation of the RF Creditor Reference in a printed format, see Annex A. 6 Check digits 6.1 General The check digits are calculated based on the
31、scheme defined in ISO/IEC 7064 (MOD 97-10). See Annex B. The check digits are used to verify the creditor reference and the “RF” code. 6.2 Checking the check digits 6.2.1 If the RF Creditor Reference is in paper format (see Annex A), delete all blank spaces. 6.2.2 Move the first four characters to t
32、he right-hand end of the RF Creditor Reference. BS ISO 11649:2009ISO 11649:2009(E) ISO 2009 All rights reserved 36.2.3 Convert upper and lower case letters to digits in accordance with the following: A = 10 F = 15 K = 20 P = 25 U = 30 B = 11 G = 16 L = 21 Q = 26 V = 31 C = 12 H = 17 M = 22 R = 27 W
33、= 32 D = 13 I = 18 N = 23 S = 28 X = 33 E = 14 J = 19 O = 24 T = 29 Y = 34 Z = 35 6.2.4 Apply the check character system MOD 97-10 (see ISO/IEC 7064). 6.2.5 If the remainder is 1 (one), the number is valid. 6.3 Generating the check digits 6.3.1 Add the RF code (2!a) and “00” to the right-hand end of
34、 the creditor reference. 6.3.2 Convert letters (alpha-2 code characters) to digits (numeric characters) in accordance with 6.2.3. 6.3.3 Apply the check character system MOD 97-10 (see ISO/IEC 7064). BS ISO 11649:2009ISO 11649:2009(E) 4 ISO 2009 All rights reservedAnnex A (normative) Representation o
35、f the RF Creditor Reference in the printed format A.1 General This annex specifies the use and representation of the RF Creditor Reference in the printed format. A.2 Applicability In a printed format, where the specification of a structured creditor reference to remittance information is requested,
36、the RF Creditor Reference shall be used as defined in this annex. The generation of a payment (or related) instruction on paper may include an RF Creditor Reference. Mandating the positioning of the RF Creditor Reference in/on a paper or similar instruction is not considered to be within the scope o
37、f this annex. A.3 Structure In a printed format, the RF Creditor Reference structure (2!a2!n21c) shall remain, but the RF Creditor Reference shall be printed in groups of four characters and each group should be separated by a blank space. The reason for this is to increase the readability of the RF
38、 Creditor Reference when presented on paper in printed format. EXAMPLE 1 Electronic RF Creditor Reference: RF68539007547034. EXAMPLE 2 Printed RF Creditor Reference: RF68 5390 0754 7034. BS ISO 11649:2009ISO 11649:2009(E) ISO 2009 All rights reserved 5Annex B (informative) Example of how to calculat
39、e and validate the check digits B.1 Constructing an RF Creditor Reference and calculating check digits B.1.1 The example given in this annex is based on an example of a customer-defined creditor reference and the explanation of the RF Creditor Reference structure given in Clause 5. EXAMPLE A custome
40、r-defined creditor reference 2348231. B.1.2 Delete all non-alphanumeric characters. B.1.3 Add the RF Creditor Reference identification code “RF” followed by the digits “00” to the right-hand end of the creditor reference. EXAMPLE The same number now becomes 2348231RF00. B.1.4 Convert the alpha chara
41、cters “RF” to numeric characters “2715” in accordance with 6.2.3. EXAMPLE The number now becomes 2348231271500. B.1.5 Calculate the modulo 97 (the remainder after division by 97). EXAMPLE After division by 97, the remainder of 2348231271500 is 27 (twenty-seven). B.1.6 Subtract the remainder from 98
42、and, if the result is less than ten, insert a leading zero. EXAMPLE 98 minus 27 equals 71. NOTE The example given in this annex does not require insertion of a leading zero. B.1.7 Insert the code “RF” and check digit at the left-hand end of the creditor reference. EXAMPLE The RF Creditor Reference i
43、s equal to RF712348231 (electronic format) or RF71 2348 231 (print format). B.2 Validating the check digits in an RF Creditor Reference B.2.1 This method is used to validate the check digits of an RF Creditor Reference. EXAMPLE The RF Creditor Reference to be validated is RF712348231. B.2.2 Move the
44、 first four characters of the RF Creditor Reference to the right of the RF Creditor Reference. EXAMPLE The number becomes 2348231RF71. BS ISO 11649:2009ISO 11649:2009(E) 6 ISO 2009 All rights reservedB.2.3 Convert the alpha-2 code characters to numeric characters in accordance with 6.2.3. EXAMPLE Th
45、e number becomes 2348231271571. B.2.4 Calculate the modulo 97 (the remainder after division by 97). EXAMPLE After division by 97, the remainder of 2348231271571 is 1 (one). B.2.5 If the remainder is 1 (one), then the check digits are correct for the RF Creditor Reference. BS ISO 11649:2009ISO 11649:
46、2009(E) ISO 2009 All rights reserved 7Annex C (informative) Implementation C.1 Constructing the RF Creditor Reference The creditor may freely choose the content of the creditor reference so that it is unique and unambiguously identifies a business document or similar set of business data. A creditor
47、 reference may be, for example, an invoice number, a credit note number, a customer number or a combination of those, or a running reference number attached to a business document. For identification purposes, the letters “RF” are attached as the first two characters of the RF Creditor Reference. “R
48、F” stands for Reference. The letters are needed to separate the RF Creditor Reference from potential other creditor reference schemes and to specify the algorithm used for check digits. The letters “RF” are followed by two check digits and by a maximum of 21 characters of proprietary creditor refere
49、nce. The check digit algorithm is the same as that which is used for IBAN formatted account numbers (see ISO/IEC 7064). C.2 Use of the RF Creditor Reference in a credit transfer scheme The creditor may attach the RF Creditor Reference to an invoice or a credit transfer form and store the creditor reference in his or her sales ledger attached to the receivable. The invoice or credit transfer form is sent to the payer, who may store the RF Creditor Reference together with the invoice data in his o
