Fix #54: Überweisung im SEPA-Format der Bank
Die Nachricht wurde fest als pain.001.001.03 erzeugt. Banken, die nur das ältere DK-Format pain.001.003.03 führen, weisen die Überweisung damit schon beim Einreichen ab, noch vor der TAN. FinTsUeberweisung liest die unterstützten Formate nach der Anmeldung aus dem Segment HISPAS; SepaXml::schemaWaehlen() bestimmt daraus den Namensraum – bevorzugt ISO, sonst DK. Für die Einzelüberweisung sind beide Fassungen im Aufbau gleich, es genügt der andere Namensraum. Das DK-Schema liegt der Testsuite bei, damit die Nachricht wirklich dagegen geprüft wird. Co-Authored-By: Claude Opus 5 <noreply@anthropic.com> Claude-Session: https://claude.ai/code/session_013iURiWYZJQYVGQNXFFGyWu
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5 changed files with 711 additions and 6 deletions
17
Changes.md
17
Changes.md
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@ -1,5 +1,22 @@
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# Änderungen
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# Änderungen
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## Zahlungsverkehr: SEPA-Format der Bank (01.09.2026)
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Die Überweisung wurde bisher immer als `pain.001.001.03` eingereicht. Banken, die nur
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das ältere DK-Format `pain.001.003.03` führen, weisen sie damit ab, noch bevor eine TAN
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angefordert wird ("The bank does not support the XML schema …").
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`FinTsUeberweisung` liest die unterstützten Formate jetzt nach der Anmeldung aus den
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Bankparameterdaten (Segment HISPAS) und `SepaXml::schemaWaehlen()` bestimmt daraus den
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Namensraum der Nachricht – bevorzugt das ISO-Format, sonst das DK-Format. Der Zusatz
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`_GBIC_x`, den manche Banken anhängen, stört den Vergleich nicht. Meldet die Bank
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ausschließlich Formate, die der Finanzmanager nicht erzeugt, nennt die Fehlermeldung sie
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jetzt beim Namen, statt die Bibliothek durchschlagen zu lassen.
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Für die Einzelüberweisung sind beide Fassungen im Aufbau gleich; es genügt der andere
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Namensraum. `tests/schemata/pain.001.003.03.xsd` (DFÜ-Abkommen Anlage 3, Version 2.7) liegt
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der Testsuite bei, damit die erzeugte Nachricht wirklich gegen das Schema geprüft wird.
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## Adressverwaltung in der Verwaltung, Typeahead im Zahlungsverkehr (31.08.2026)
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## Adressverwaltung in der Verwaltung, Typeahead im Zahlungsverkehr (31.08.2026)
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Das Adressbuch (bisher nur über die Verträge-Kachel erreichbar) bekommt in der Verwaltung
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Das Adressbuch (bisher nur über die Verträge-Kachel erreichbar) bekommt in der Verwaltung
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@ -12,6 +12,7 @@ use Fhp\Model\SEPAAccount;
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use Fhp\Model\TanRequestChallengeImage;
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use Fhp\Model\TanRequestChallengeImage;
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use Fhp\Options\Credentials;
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use Fhp\Options\Credentials;
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use Fhp\Options\FinTsOptions;
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use Fhp\Options\FinTsOptions;
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use Fhp\Segment\SPA\HISPAS;
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use Finanzmanager\Auth;
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use Finanzmanager\Auth;
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use Finanzmanager\Models\Bankzugang;
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use Finanzmanager\Models\Bankzugang;
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use Finanzmanager\Models\Einstellung;
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use Finanzmanager\Models\Einstellung;
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@ -193,7 +194,16 @@ class FinTsUeberweisung
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return $this->fehler('Das Auftragskonto ist nicht mehr lesbar. Bitte erneut senden.');
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return $this->fehler('Das Auftragskonto ist nicht mehr lesbar. Bitte erneut senden.');
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}
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}
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$xml = SepaXml::ueberweisung($this->auftragsdaten($auftrag, $sepa));
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$formate = $this->sepaFormate($fints);
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$schema = SepaXml::schemaWaehlen($formate);
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if ($schema === null) {
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return $this->fehler(
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'Die Bank nimmt nur SEPA-Formate an, die der Finanzmanager nicht erzeugt: '
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. implode(', ', $formate)
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);
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}
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$xml = SepaXml::ueberweisung($this->auftragsdaten($auftrag, $sepa), $schema);
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$aktion = SendSEPATransfer::create($sepa, $xml);
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$aktion = SendSEPATransfer::create($sepa, $xml);
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$fints->execute($aktion);
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$fints->execute($aktion);
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@ -211,6 +221,28 @@ class FinTsUeberweisung
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return $this->fehler('Der Auftrag konnte nicht abgeschlossen werden.');
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return $this->fehler('Der Auftrag konnte nicht abgeschlossen werden.');
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}
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}
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/**
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* Die SEPA-Datenformate, die die Bank annimmt.
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*
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* Sie stehen in den Bankparameterdaten (Segment HISPAS) und liegen nach der
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* Anmeldung vor. Ältere Häuser führen ausschließlich das DK-Format
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* pain.001.003.03 und weisen alles andere schon beim Einreichen ab.
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*
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* @return list<string>
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*/
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private function sepaFormate(FinTs $fints): array
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{
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try {
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$hispas = $fints->getBpd()->getLatestSupportedParameters('HISPAS');
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} catch (\Throwable) {
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return [];
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}
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return $hispas instanceof HISPAS
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? array_values($hispas->getParameter()->getUnterstuetzteSEPADatenformate())
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: [];
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}
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/**
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/**
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* @param array<string,mixed> $auftrag
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* @param array<string,mixed> $auftrag
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* @return array<string,mixed>
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* @return array<string,mixed>
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@ -13,12 +13,19 @@ namespace Finanzmanager\Services;
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* Einzelüberweisung, um die es hier geht, ist das Format überschaubar und in der
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* Einzelüberweisung, um die es hier geht, ist das Format überschaubar und in der
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* Spezifikation der Deutschen Kreditwirtschaft vollständig beschrieben.
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* Spezifikation der Deutschen Kreditwirtschaft vollständig beschrieben.
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*
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*
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* Erzeugt wird **pain.001.001.03** – die Fassung, die die deutschen Banken für
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* Erzeugt wird **pain.001.001.03** oder – wenn die Bank nur das ältere
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* FinTS-Überweisungen erwarten.
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* DK-Format führt – **pain.001.003.03**. Für die Einzelüberweisung sind beide
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* Fassungen im Aufbau gleich (Reihenfolge und Pflichtfelder stimmen überein),
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* sie unterscheiden sich nur im Namensraum. Welches Format die Bank annimmt,
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* steht im FinTS-Segment HISPAS – siehe `Services\FinTsUeberweisung`.
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*/
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*/
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class SepaXml
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class SepaXml
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{
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{
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private const SCHEMA = 'urn:iso:std:iso:20022:tech:xsd:pain.001.001.03';
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public const SCHEMA_PAIN_001_001_03 = 'urn:iso:std:iso:20022:tech:xsd:pain.001.001.03';
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public const SCHEMA_PAIN_001_003_03 = 'urn:iso:std:iso:20022:tech:xsd:pain.001.003.03';
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/** Die Formate, die hier erzeugt werden – in der Reihenfolge des Vorzugs. */
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private const SCHEMATA = [self::SCHEMA_PAIN_001_001_03, self::SCHEMA_PAIN_001_003_03];
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/**
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/**
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* @param array{
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* @param array{
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@ -27,8 +34,9 @@ class SepaXml
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* betrag: float, waehrung?: string, verwendungszweck?: string,
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* betrag: float, waehrung?: string, verwendungszweck?: string,
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* ausfuehrung_am?: ?string
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* ausfuehrung_am?: ?string
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* } $auftrag
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* } $auftrag
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* @param string $schema Namensraum der Nachricht, siehe `schemaWaehlen()`.
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*/
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*/
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public static function ueberweisung(array $auftrag): string
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public static function ueberweisung(array $auftrag, string $schema = self::SCHEMA_PAIN_001_001_03): string
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{
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{
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$betrag = number_format(abs((float)$auftrag['betrag']), 2, '.', '');
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$betrag = number_format(abs((float)$auftrag['betrag']), 2, '.', '');
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if ((float)$betrag <= 0.0) {
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if ((float)$betrag <= 0.0) {
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@ -50,7 +58,7 @@ class SepaXml
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$dokument = new \DOMDocument('1.0', 'UTF-8');
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$dokument = new \DOMDocument('1.0', 'UTF-8');
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$dokument->formatOutput = true;
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$dokument->formatOutput = true;
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$wurzel = $dokument->createElementNS(self::SCHEMA, 'Document');
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$wurzel = $dokument->createElementNS($schema, 'Document');
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$dokument->appendChild($wurzel);
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$dokument->appendChild($wurzel);
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$nachricht = $dokument->createElement('CstmrCdtTrfInitn');
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$nachricht = $dokument->createElement('CstmrCdtTrfInitn');
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@ -151,6 +159,33 @@ class SepaXml
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return (string)$dokument->saveXML();
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return (string)$dokument->saveXML();
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}
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}
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/**
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* Das Format, das zu den von der Bank gemeldeten SEPA-Datenformaten passt.
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*
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* Die Banken melden ihre Formate in HISPAS, manche mit dem Zusatz `_GBIC_4`
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* – deshalb der Präfixvergleich. Meldet die Bank nichts, bleibt es beim
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* Vorzugsformat; meldet sie nur Formate, die hier nicht erzeugt werden,
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* kommt `null` zurück.
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*
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* @param list<string> $unterstuetzt
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*/
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public static function schemaWaehlen(array $unterstuetzt): ?string
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{
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if ($unterstuetzt === []) {
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return self::SCHEMA_PAIN_001_001_03;
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}
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foreach (self::SCHEMATA as $schema) {
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foreach ($unterstuetzt as $format) {
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if (str_starts_with(trim($format), $schema)) {
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return $schema;
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}
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}
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}
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return null;
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}
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private static function kind(\DOMDocument $dokument, \DOMElement $eltern, string $name, string $wert): void
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private static function kind(\DOMDocument $dokument, \DOMElement $eltern, string $name, string $wert): void
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{
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{
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// Über createTextNode statt als zweites Argument von createElement:
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// Über createTextNode statt als zweites Argument von createElement:
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147
tests/39_SepaSchemaTest.php
Normal file
147
tests/39_SepaSchemaTest.php
Normal file
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@ -0,0 +1,147 @@
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<?php
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declare(strict_types=1);
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use Finanzmanager\Services\SepaXml;
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/**
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* Die SEPA-Nachricht im Format, das die Bank annimmt.
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*
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* Nicht jede Bank führt das ISO-Format pain.001.001.03. Etliche Häuser nehmen
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* ausschließlich das ältere DK-Format pain.001.003.03 an und weisen alles
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* andere schon beim Einreichen ab ("The bank does not support the XML schema
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* …"). Welche Formate eine Bank führt, meldet sie im Segment HISPAS.
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*
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* Das DK-Schema liegt als `tests/schemata/pain.001.003.03.xsd` bei, damit die
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* erzeugte Nachricht hier wirklich geprüft wird und nicht nur auf Textbausteine
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* hin abgeklopft.
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*/
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class SepaSchemaTest extends TestCase
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{
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protected string $testName = 'Test 39: SEPA-Schema der Überweisung';
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private const XSD = __DIR__ . '/schemata/pain.001.003.03.xsd';
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public function run(): void
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{
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$this->schemaFolgtDenAngabenDerBank();
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$this->unbekannteFormateFuehrenZuNull();
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$this->dkFormatIstSchemakonform();
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$this->dasFormatStehtImNamensraum();
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}
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private function schemaFolgtDenAngabenDerBank(): void
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{
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$this->assertEquals(
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SepaXml::SCHEMA_PAIN_001_001_03,
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SepaXml::schemaWaehlen([]),
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'Ohne Angabe der Bank bleibt es beim Vorzugsformat'
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);
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$this->assertEquals(
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SepaXml::SCHEMA_PAIN_001_003_03,
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SepaXml::schemaWaehlen([SepaXml::SCHEMA_PAIN_001_003_03, SepaXml::SCHEMA_PAIN_001_003_03]),
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'Führt die Bank nur das DK-Format, wird es genommen'
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);
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$this->assertEquals(
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SepaXml::SCHEMA_PAIN_001_001_03,
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SepaXml::schemaWaehlen([SepaXml::SCHEMA_PAIN_001_003_03, SepaXml::SCHEMA_PAIN_001_001_03]),
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'Bei mehreren Formaten hat das ISO-Format Vorrang'
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);
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// Manche Banken hängen dem Namensraum eine Fassung des Deutschen
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// Kreditgewerbes an – der Vergleich muss das aushalten.
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$this->assertEquals(
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SepaXml::SCHEMA_PAIN_001_001_03,
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SepaXml::schemaWaehlen([SepaXml::SCHEMA_PAIN_001_001_03 . '_GBIC_4']),
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'Der Zusatz _GBIC_4 stört den Vergleich nicht'
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);
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}
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private function unbekannteFormateFuehrenZuNull(): void
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{
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$this->assertNull(
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SepaXml::schemaWaehlen(['urn:iso:std:iso:20022:tech:xsd:pain.001.001.09']),
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'Führt die Bank nur Formate, die hier niemand erzeugt, kommt null zurück'
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);
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}
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private function dkFormatIstSchemakonform(): void
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{
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foreach ($this->auftraege() as $bezeichnung => $auftrag) {
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$xml = SepaXml::ueberweisung($auftrag, SepaXml::SCHEMA_PAIN_001_003_03);
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$dokument = new DOMDocument();
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$dokument->loadXML($xml);
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$vorher = libxml_use_internal_errors(true);
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$gueltig = $dokument->schemaValidate(self::XSD);
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$meldungen = array_map(
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static fn(LibXMLError $fehler): string => trim($fehler->message),
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libxml_get_errors()
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);
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libxml_clear_errors();
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libxml_use_internal_errors($vorher);
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$this->assert(
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$gueltig,
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'pain.001.003.03 (' . $bezeichnung . ') ist schemakonform' . ($gueltig ? '' : ': ' . implode(' | ', $meldungen))
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);
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}
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}
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private function dasFormatStehtImNamensraum(): void
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{
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$auftrag = $this->auftraege()['mit BIC'];
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$iso = SepaXml::ueberweisung($auftrag, SepaXml::SCHEMA_PAIN_001_001_03);
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$dk = SepaXml::ueberweisung($auftrag, SepaXml::SCHEMA_PAIN_001_003_03);
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$this->assertEquals(
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SepaXml::SCHEMA_PAIN_001_001_03,
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(string)(simplexml_load_string($iso)?->getDocNamespaces()[''] ?? ''),
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'Der Namensraum des ISO-Formats'
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);
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$this->assertEquals(
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SepaXml::SCHEMA_PAIN_001_003_03,
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(string)(simplexml_load_string($dk)?->getDocNamespaces()[''] ?? ''),
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'Der Namensraum des DK-Formats'
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);
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// Ohne ausdrückliches Format bleibt es beim ISO-Format – der Aufruf aus
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// dem Zahlungsverkehr setzt es sonst still um.
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$this->assert(
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str_contains(SepaXml::ueberweisung($auftrag), 'pain.001.001.03'),
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'Ohne Angabe wird weiterhin pain.001.001.03 erzeugt'
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);
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}
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/** @return array<string,array<string,mixed>> */
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private function auftraege(): array
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{
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return [
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'mit BIC' => [
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'absender_name' => 'Max Mustermann',
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'absender_iban' => 'DE02 1203 0000 0000 2020 51',
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'absender_bic' => 'BYLADEM1001',
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'empfaenger_name' => 'Stadtwerke Größenwahn',
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'empfaenger_iban' => 'DE02500105170137075030',
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'empfaenger_bic' => 'INGDDEFFXXX',
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'betrag' => 123.45,
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'waehrung' => 'EUR',
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'verwendungszweck' => 'Abschlag Strom & Wasser 09/2026',
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'ausfuehrung_am' => '2026-09-05',
|
||||||
|
],
|
||||||
|
'ohne BIC' => [
|
||||||
|
'absender_name' => 'Max Mustermann',
|
||||||
|
'absender_iban' => 'DE02120300000000202051',
|
||||||
|
'empfaenger_name' => 'Stadtwerke',
|
||||||
|
'empfaenger_iban' => 'DE02500105170137075030',
|
||||||
|
'betrag' => 1.0,
|
||||||
|
'verwendungszweck' => '',
|
||||||
|
'ausfuehrung_am' => null,
|
||||||
|
],
|
||||||
|
];
|
||||||
|
}
|
||||||
|
}
|
||||||
474
tests/schemata/pain.001.003.03.xsd
Normal file
474
tests/schemata/pain.001.003.03.xsd
Normal file
|
|
@ -0,0 +1,474 @@
|
||||||
|
<?xml version="1.0" encoding="UTF-8" standalone="no"?>
|
||||||
|
<!-- Version gemäß DFÜ-Abkommen Anlage 3, Version 2.7, gültig ab November 2013 mit Umsetzung von IBAN Only gemäß EPC SCT 7.0, zudem Erweiterung Service Level auf Externe Codeliste-->
|
||||||
|
<!-- Mit XMLSpy v2008 am 29.11.2012 von der SIZ GmbH bearbeitet -->
|
||||||
|
<xs:schema xmlns="urn:iso:std:iso:20022:tech:xsd:pain.001.003.03" xmlns:xs="http://www.w3.org/2001/XMLSchema" targetNamespace="urn:iso:std:iso:20022:tech:xsd:pain.001.003.03" elementFormDefault="qualified">
|
||||||
|
<xs:element name="Document" type="Document"/>
|
||||||
|
<xs:complexType name="AccountIdentificationSEPA">
|
||||||
|
<xs:sequence>
|
||||||
|
<xs:element name="IBAN" type="IBAN2007Identifier"/>
|
||||||
|
</xs:sequence>
|
||||||
|
</xs:complexType>
|
||||||
|
<xs:simpleType name="ActiveOrHistoricCurrencyAndAmount_SimpleTypeSEPA">
|
||||||
|
<xs:restriction base="xs:decimal">
|
||||||
|
<xs:minInclusive value="0.01"/>
|
||||||
|
<xs:maxInclusive value="999999999.99"/>
|
||||||
|
<xs:fractionDigits value="2"/>
|
||||||
|
<xs:totalDigits value="11"/>
|
||||||
|
</xs:restriction>
|
||||||
|
</xs:simpleType>
|
||||||
|
<xs:simpleType name="ActiveOrHistoricCurrencyCode">
|
||||||
|
<xs:restriction base="xs:string">
|
||||||
|
<xs:pattern value="[A-Z]{3,3}"/>
|
||||||
|
</xs:restriction>
|
||||||
|
</xs:simpleType>
|
||||||
|
<xs:complexType name="ActiveOrHistoricCurrencyAndAmountSEPA">
|
||||||
|
<xs:simpleContent>
|
||||||
|
<xs:extension base="ActiveOrHistoricCurrencyAndAmount_SimpleTypeSEPA">
|
||||||
|
<xs:attribute name="Ccy" type="ActiveOrHistoricCurrencyCodeEUR" use="required"/>
|
||||||
|
</xs:extension>
|
||||||
|
</xs:simpleContent>
|
||||||
|
</xs:complexType>
|
||||||
|
<xs:simpleType name="ActiveOrHistoricCurrencyCodeEUR">
|
||||||
|
<xs:restriction base="xs:string">
|
||||||
|
<xs:enumeration value="EUR"/>
|
||||||
|
</xs:restriction>
|
||||||
|
</xs:simpleType>
|
||||||
|
<xs:complexType name="AmountTypeSEPA">
|
||||||
|
<xs:sequence>
|
||||||
|
<xs:element name="InstdAmt" type="ActiveOrHistoricCurrencyAndAmountSEPA"/>
|
||||||
|
</xs:sequence>
|
||||||
|
</xs:complexType>
|
||||||
|
<xs:simpleType name="AnyBICIdentifier">
|
||||||
|
<xs:restriction base="xs:string">
|
||||||
|
<xs:pattern value="[A-Z]{6,6}[A-Z2-9][A-NP-Z0-9]([A-Z0-9]{3,3}){0,1}"/>
|
||||||
|
</xs:restriction>
|
||||||
|
</xs:simpleType>
|
||||||
|
<xs:simpleType name="BICIdentifier">
|
||||||
|
<xs:restriction base="xs:string">
|
||||||
|
<xs:pattern value="[A-Z]{6,6}[A-Z2-9][A-NP-Z0-9]([A-Z0-9]{3,3}){0,1}"/>
|
||||||
|
</xs:restriction>
|
||||||
|
</xs:simpleType>
|
||||||
|
<xs:simpleType name="BatchBookingIndicator">
|
||||||
|
<xs:restriction base="xs:boolean"/>
|
||||||
|
</xs:simpleType>
|
||||||
|
<xs:complexType name="BranchAndFinancialInstitutionIdentificationSEPA1">
|
||||||
|
<xs:sequence>
|
||||||
|
<xs:element name="FinInstnId" type="FinancialInstitutionIdentificationSEPA1"/>
|
||||||
|
</xs:sequence>
|
||||||
|
</xs:complexType>
|
||||||
|
<xs:complexType name="BranchAndFinancialInstitutionIdentificationSEPA3">
|
||||||
|
<xs:sequence>
|
||||||
|
<xs:element name="FinInstnId" type="FinancialInstitutionIdentificationSEPA3"/>
|
||||||
|
</xs:sequence>
|
||||||
|
</xs:complexType>
|
||||||
|
<xs:complexType name="CashAccountSEPA1">
|
||||||
|
<xs:sequence>
|
||||||
|
<xs:element name="Id" type="AccountIdentificationSEPA"/>
|
||||||
|
<xs:element name="Ccy" type="ActiveOrHistoricCurrencyCode" minOccurs="0"/>
|
||||||
|
</xs:sequence>
|
||||||
|
</xs:complexType>
|
||||||
|
<xs:complexType name="CashAccountSEPA2">
|
||||||
|
<xs:sequence>
|
||||||
|
<xs:element name="Id" type="AccountIdentificationSEPA"/>
|
||||||
|
</xs:sequence>
|
||||||
|
</xs:complexType>
|
||||||
|
<xs:complexType name="CategoryPurposeSEPA">
|
||||||
|
<xs:sequence>
|
||||||
|
<xs:element name="Cd" type="ExternalCategoryPurpose1Code"/>
|
||||||
|
</xs:sequence>
|
||||||
|
</xs:complexType>
|
||||||
|
<xs:simpleType name="ChargeBearerTypeSEPACode">
|
||||||
|
<xs:restriction base="xs:string">
|
||||||
|
<xs:enumeration value="SLEV"/>
|
||||||
|
</xs:restriction>
|
||||||
|
</xs:simpleType>
|
||||||
|
<xs:simpleType name="CountryCode">
|
||||||
|
<xs:restriction base="xs:string">
|
||||||
|
<xs:pattern value="[A-Z]{2,2}"/>
|
||||||
|
</xs:restriction>
|
||||||
|
</xs:simpleType>
|
||||||
|
<xs:complexType name="CreditTransferTransactionInformationSCT">
|
||||||
|
<xs:sequence>
|
||||||
|
<xs:element name="PmtId" type="PaymentIdentificationSEPA"/>
|
||||||
|
<xs:element name="PmtTpInf" type="PaymentTypeInformationSCT2" minOccurs="0">
|
||||||
|
<xs:annotation>
|
||||||
|
<xs:documentation>If used, it is recommended to be used at ‘Payment Information’ level and not at ‘Credit Transfer Transaction Information’ level.</xs:documentation>
|
||||||
|
</xs:annotation>
|
||||||
|
</xs:element>
|
||||||
|
<xs:element name="Amt" type="AmountTypeSEPA"/>
|
||||||
|
<xs:element name="ChrgBr" type="ChargeBearerTypeSEPACode" minOccurs="0">
|
||||||
|
<xs:annotation>
|
||||||
|
<xs:documentation>It is recommended that this element be specified at ‘Payment Information’ level.</xs:documentation>
|
||||||
|
</xs:annotation>
|
||||||
|
</xs:element>
|
||||||
|
<xs:element name="UltmtDbtr" type="PartyIdentificationSEPA1" minOccurs="0">
|
||||||
|
<xs:annotation>
|
||||||
|
<xs:documentation>This data element may be present either at ‘Payment Information’ or at ‘Credit Transfer Transaction Information’ level.</xs:documentation>
|
||||||
|
</xs:annotation>
|
||||||
|
</xs:element>
|
||||||
|
<xs:element name="CdtrAgt" type="BranchAndFinancialInstitutionIdentificationSEPA1" minOccurs="0"/>
|
||||||
|
<xs:element name="Cdtr" type="PartyIdentificationSEPA2"/>
|
||||||
|
<xs:element name="CdtrAcct" type="CashAccountSEPA2"/>
|
||||||
|
<xs:element name="UltmtCdtr" type="PartyIdentificationSEPA1" minOccurs="0"/>
|
||||||
|
<xs:element name="Purp" type="PurposeSEPA" minOccurs="0"/>
|
||||||
|
<xs:element name="RmtInf" type="RemittanceInformationSEPA1Choice" minOccurs="0"/>
|
||||||
|
</xs:sequence>
|
||||||
|
</xs:complexType>
|
||||||
|
<xs:complexType name="CreditorReferenceInformationSEPA1">
|
||||||
|
<xs:sequence>
|
||||||
|
<xs:element name="Tp" type="CreditorReferenceTypeSEPA"/>
|
||||||
|
<xs:element name="Ref" type="Max35Text">
|
||||||
|
<xs:annotation>
|
||||||
|
<xs:documentation>If a Creditor Reference contains a check digit, the receiving bank is not required to validate this.
|
||||||
|
If the receiving bank validates the check digit and if this validation fails, the bank may continue its processing and send the transaction to the next party in the chain.
|
||||||
|
RF Creditor Reference may be used (ISO 11649).</xs:documentation>
|
||||||
|
</xs:annotation>
|
||||||
|
</xs:element>
|
||||||
|
</xs:sequence>
|
||||||
|
</xs:complexType>
|
||||||
|
<xs:complexType name="CreditorReferenceTypeSEPA">
|
||||||
|
<xs:sequence>
|
||||||
|
<xs:element name="CdOrPrtry" type="CreditorReferenceTypeCodeSEPA"/>
|
||||||
|
<xs:element name="Issr" type="Max35Text" minOccurs="0"/>
|
||||||
|
</xs:sequence>
|
||||||
|
</xs:complexType>
|
||||||
|
<xs:complexType name="CreditorReferenceTypeCodeSEPA">
|
||||||
|
<xs:sequence>
|
||||||
|
<xs:element name="Cd" type="DocumentType3CodeSEPA"/>
|
||||||
|
</xs:sequence>
|
||||||
|
</xs:complexType>
|
||||||
|
<xs:complexType name="CustomerCreditTransferInitiationV03">
|
||||||
|
<xs:sequence>
|
||||||
|
<xs:element name="GrpHdr" type="GroupHeaderSCT"/>
|
||||||
|
<xs:element name="PmtInf" type="PaymentInstructionInformationSCT" maxOccurs="unbounded"/>
|
||||||
|
</xs:sequence>
|
||||||
|
</xs:complexType>
|
||||||
|
<xs:complexType name="DateAndPlaceOfBirth">
|
||||||
|
<xs:sequence>
|
||||||
|
<xs:element name="BirthDt" type="ISODate"/>
|
||||||
|
<xs:element name="PrvcOfBirth" type="Max35Text" minOccurs="0"/>
|
||||||
|
<xs:element name="CityOfBirth" type="Max35Text"/>
|
||||||
|
<xs:element name="CtryOfBirth" type="CountryCode"/>
|
||||||
|
</xs:sequence>
|
||||||
|
</xs:complexType>
|
||||||
|
<xs:simpleType name="DecimalNumber">
|
||||||
|
<xs:restriction base="xs:decimal">
|
||||||
|
<xs:fractionDigits value="17"/>
|
||||||
|
<xs:totalDigits value="18"/>
|
||||||
|
</xs:restriction>
|
||||||
|
</xs:simpleType>
|
||||||
|
<xs:complexType name="Document">
|
||||||
|
<xs:sequence>
|
||||||
|
<xs:element name="CstmrCdtTrfInitn" type="CustomerCreditTransferInitiationV03"/>
|
||||||
|
</xs:sequence>
|
||||||
|
</xs:complexType>
|
||||||
|
<xs:simpleType name="DocumentType3CodeSEPA">
|
||||||
|
<xs:restriction base="xs:string">
|
||||||
|
<xs:enumeration value="SCOR"/>
|
||||||
|
</xs:restriction>
|
||||||
|
</xs:simpleType>
|
||||||
|
<xs:simpleType name="ExternalCategoryPurpose1Code">
|
||||||
|
<xs:restriction base="xs:string">
|
||||||
|
<xs:minLength value="1"/>
|
||||||
|
<xs:maxLength value="4"/>
|
||||||
|
</xs:restriction>
|
||||||
|
</xs:simpleType>
|
||||||
|
<xs:simpleType name="ExternalOrganisationIdentification1Code">
|
||||||
|
<xs:restriction base="xs:string">
|
||||||
|
<xs:minLength value="1"/>
|
||||||
|
<xs:maxLength value="4"/>
|
||||||
|
</xs:restriction>
|
||||||
|
</xs:simpleType>
|
||||||
|
<xs:simpleType name="ExternalPersonIdentification1Code">
|
||||||
|
<xs:restriction base="xs:string">
|
||||||
|
<xs:minLength value="1"/>
|
||||||
|
<xs:maxLength value="4"/>
|
||||||
|
</xs:restriction>
|
||||||
|
</xs:simpleType>
|
||||||
|
<xs:simpleType name="ExternalPurpose1Code">
|
||||||
|
<xs:restriction base="xs:string">
|
||||||
|
<xs:minLength value="1"/>
|
||||||
|
<xs:maxLength value="4"/>
|
||||||
|
</xs:restriction>
|
||||||
|
</xs:simpleType>
|
||||||
|
<xs:simpleType name="ExternalServiceLevel1Code">
|
||||||
|
<xs:restriction base="xs:string">
|
||||||
|
<xs:minLength value="1"/>
|
||||||
|
<xs:maxLength value="4"/>
|
||||||
|
</xs:restriction>
|
||||||
|
</xs:simpleType>
|
||||||
|
<xs:complexType name="FinancialInstitutionIdentificationSEPA1">
|
||||||
|
<xs:sequence>
|
||||||
|
<xs:element name="BIC" type="BICIdentifier"/>
|
||||||
|
</xs:sequence>
|
||||||
|
</xs:complexType>
|
||||||
|
<xs:complexType name="FinancialInstitutionIdentificationSEPA3">
|
||||||
|
<xs:sequence>
|
||||||
|
<xs:choice>
|
||||||
|
<xs:element name="BIC" type="BICIdentifier"/>
|
||||||
|
<xs:element name="Othr" type="OthrIdentification"/>
|
||||||
|
</xs:choice>
|
||||||
|
</xs:sequence>
|
||||||
|
</xs:complexType>
|
||||||
|
<xs:complexType name="OthrIdentification">
|
||||||
|
<xs:sequence>
|
||||||
|
<xs:element name="Id" type="OthrIdentificationCode"/>
|
||||||
|
</xs:sequence>
|
||||||
|
</xs:complexType>
|
||||||
|
<xs:simpleType name="OthrIdentificationCode">
|
||||||
|
<xs:restriction base="xs:string">
|
||||||
|
<xs:enumeration value="NOTPROVIDED"/>
|
||||||
|
</xs:restriction>
|
||||||
|
</xs:simpleType>
|
||||||
|
<xs:complexType name="GenericOrganisationIdentification1">
|
||||||
|
<xs:sequence>
|
||||||
|
<xs:element name="Id" type="Max35Text"/>
|
||||||
|
<xs:element name="SchmeNm" type="OrganisationIdentificationSchemeName1Choice" minOccurs="0"/>
|
||||||
|
<xs:element name="Issr" type="Max35Text" minOccurs="0"/>
|
||||||
|
</xs:sequence>
|
||||||
|
</xs:complexType>
|
||||||
|
<xs:complexType name="GenericPersonIdentification1">
|
||||||
|
<xs:sequence>
|
||||||
|
<xs:element name="Id" type="Max35Text"/>
|
||||||
|
<xs:element name="SchmeNm" type="PersonIdentificationSchemeName1Choice" minOccurs="0"/>
|
||||||
|
<xs:element name="Issr" type="Max35Text" minOccurs="0"/>
|
||||||
|
</xs:sequence>
|
||||||
|
</xs:complexType>
|
||||||
|
<xs:complexType name="GroupHeaderSCT">
|
||||||
|
<xs:sequence>
|
||||||
|
<xs:element name="MsgId" type="RestrictedIdentificationSEPA1"/>
|
||||||
|
<xs:element name="CreDtTm" type="ISODateTime"/>
|
||||||
|
<xs:element name="NbOfTxs" type="Max15NumericText"/>
|
||||||
|
<xs:element name="CtrlSum" type="DecimalNumber" minOccurs="0"/>
|
||||||
|
<xs:element name="InitgPty" type="PartyIdentificationSEPA1"/>
|
||||||
|
</xs:sequence>
|
||||||
|
</xs:complexType>
|
||||||
|
<xs:simpleType name="IBAN2007Identifier">
|
||||||
|
<xs:restriction base="xs:string">
|
||||||
|
<xs:pattern value="[A-Z]{2,2}[0-9]{2,2}[a-zA-Z0-9]{1,30}"/>
|
||||||
|
</xs:restriction>
|
||||||
|
</xs:simpleType>
|
||||||
|
<xs:simpleType name="ISODate">
|
||||||
|
<xs:restriction base="xs:date"/>
|
||||||
|
</xs:simpleType>
|
||||||
|
<xs:simpleType name="ISODateTime">
|
||||||
|
<xs:restriction base="xs:dateTime"/>
|
||||||
|
</xs:simpleType>
|
||||||
|
<xs:simpleType name="Max140Text">
|
||||||
|
<xs:restriction base="xs:string">
|
||||||
|
<xs:minLength value="1"/>
|
||||||
|
<xs:maxLength value="140"/>
|
||||||
|
</xs:restriction>
|
||||||
|
</xs:simpleType>
|
||||||
|
<xs:simpleType name="Max15NumericText">
|
||||||
|
<xs:restriction base="xs:string">
|
||||||
|
<xs:pattern value="[0-9]{1,15}"/>
|
||||||
|
</xs:restriction>
|
||||||
|
</xs:simpleType>
|
||||||
|
<xs:simpleType name="Max35Text">
|
||||||
|
<xs:restriction base="xs:string">
|
||||||
|
<xs:minLength value="1"/>
|
||||||
|
<xs:maxLength value="35"/>
|
||||||
|
</xs:restriction>
|
||||||
|
</xs:simpleType>
|
||||||
|
<xs:simpleType name="Max70Text">
|
||||||
|
<xs:restriction base="xs:string">
|
||||||
|
<xs:minLength value="1"/>
|
||||||
|
<xs:maxLength value="70"/>
|
||||||
|
</xs:restriction>
|
||||||
|
</xs:simpleType>
|
||||||
|
<xs:complexType name="OrganisationIdentificationSEPAChoice">
|
||||||
|
<xs:sequence>
|
||||||
|
<xs:choice>
|
||||||
|
<xs:element name="BICOrBEI" type="AnyBICIdentifier"/>
|
||||||
|
<xs:element name="Othr" type="GenericOrganisationIdentification1"/>
|
||||||
|
</xs:choice>
|
||||||
|
</xs:sequence>
|
||||||
|
</xs:complexType>
|
||||||
|
<xs:complexType name="OrganisationIdentificationSchemeName1Choice">
|
||||||
|
<xs:sequence>
|
||||||
|
<xs:choice>
|
||||||
|
<xs:element name="Cd" type="ExternalOrganisationIdentification1Code"/>
|
||||||
|
<xs:element name="Prtry" type="Max35Text"/>
|
||||||
|
</xs:choice>
|
||||||
|
</xs:sequence>
|
||||||
|
</xs:complexType>
|
||||||
|
<xs:complexType name="PartySEPAChoice">
|
||||||
|
<xs:sequence>
|
||||||
|
<xs:choice>
|
||||||
|
<xs:element name="OrgId" type="OrganisationIdentificationSEPAChoice">
|
||||||
|
<xs:annotation>
|
||||||
|
<xs:documentation>Either ‘BIC or BEI’ or one
|
||||||
|
occurrence of ‘Other’ is allowed.</xs:documentation>
|
||||||
|
</xs:annotation>
|
||||||
|
</xs:element>
|
||||||
|
<xs:element name="PrvtId" type="PersonIdentificationSEPA1Choice">
|
||||||
|
<xs:annotation>
|
||||||
|
<xs:documentation>Either ‘Date and Place of Birth’ or one occurrence of ‘Other’ is allowed.</xs:documentation>
|
||||||
|
</xs:annotation>
|
||||||
|
</xs:element>
|
||||||
|
</xs:choice>
|
||||||
|
</xs:sequence>
|
||||||
|
</xs:complexType>
|
||||||
|
<xs:complexType name="PartyIdentificationSEPA1">
|
||||||
|
<xs:sequence>
|
||||||
|
<xs:element name="Nm" type="Max70Text" minOccurs="0">
|
||||||
|
<xs:annotation>
|
||||||
|
<xs:documentation>‘Name’ is limited to 70 characters
|
||||||
|
in length.</xs:documentation>
|
||||||
|
</xs:annotation>
|
||||||
|
</xs:element>
|
||||||
|
<xs:element name="Id" type="PartySEPAChoice" minOccurs="0"/>
|
||||||
|
</xs:sequence>
|
||||||
|
</xs:complexType>
|
||||||
|
<xs:complexType name="PartyIdentificationSEPA2">
|
||||||
|
<xs:sequence>
|
||||||
|
<xs:element name="Nm" type="Max70Text">
|
||||||
|
<xs:annotation>
|
||||||
|
<xs:documentation>‘Name’ is limited to 70 characters
|
||||||
|
in length.</xs:documentation>
|
||||||
|
</xs:annotation>
|
||||||
|
</xs:element>
|
||||||
|
<xs:element name="PstlAdr" type="PostalAddressSEPA" minOccurs="0"/>
|
||||||
|
<xs:element name="Id" type="PartySEPAChoice" minOccurs="0"/>
|
||||||
|
</xs:sequence>
|
||||||
|
</xs:complexType>
|
||||||
|
<xs:complexType name="PaymentIdentificationSEPA">
|
||||||
|
<xs:sequence>
|
||||||
|
<xs:element name="InstrId" type="RestrictedIdentificationSEPA1" minOccurs="0"/>
|
||||||
|
<xs:element name="EndToEndId" type="RestrictedIdentificationSEPA1"/>
|
||||||
|
</xs:sequence>
|
||||||
|
</xs:complexType>
|
||||||
|
<xs:complexType name="PaymentInstructionInformationSCT">
|
||||||
|
<xs:sequence>
|
||||||
|
<xs:element name="PmtInfId" type="RestrictedIdentificationSEPA1"/>
|
||||||
|
<xs:element name="PmtMtd" type="PaymentMethodSCTCode">
|
||||||
|
<xs:annotation>
|
||||||
|
<xs:documentation>Only ‘TRF’ is allowed.</xs:documentation>
|
||||||
|
</xs:annotation>
|
||||||
|
</xs:element>
|
||||||
|
<xs:element name="BtchBookg" type="BatchBookingIndicator" minOccurs="0">
|
||||||
|
<xs:annotation>
|
||||||
|
<xs:documentation>If present and contains ‘true’, batch booking is requested. If present and contains ‘false’, booking per transaction is requested. If element is not present, pre-agreed customer-to-bank conditions apply.</xs:documentation>
|
||||||
|
</xs:annotation>
|
||||||
|
</xs:element>
|
||||||
|
<xs:element name="NbOfTxs" type="Max15NumericText" minOccurs="0"/>
|
||||||
|
<xs:element name="CtrlSum" type="DecimalNumber" minOccurs="0"/>
|
||||||
|
<xs:element name="PmtTpInf" type="PaymentTypeInformationSCT1" minOccurs="0">
|
||||||
|
<xs:annotation>
|
||||||
|
<xs:documentation>If used, it is recommended to be used only at ‘Payment Information’ level and not at Credit Transfer Transaction Information’ level.
|
||||||
|
When Instruction Priority is to be used, ‘Payment Type Information’ must be present at ‘Payment Information’ level. </xs:documentation>
|
||||||
|
</xs:annotation>
|
||||||
|
</xs:element>
|
||||||
|
<xs:element name="ReqdExctnDt" type="ISODate"/>
|
||||||
|
<xs:element name="Dbtr" type="PartyIdentificationSEPA2"/>
|
||||||
|
<xs:element name="DbtrAcct" type="CashAccountSEPA1"/>
|
||||||
|
<xs:element name="DbtrAgt" type="BranchAndFinancialInstitutionIdentificationSEPA3"/>
|
||||||
|
<xs:element name="UltmtDbtr" type="PartyIdentificationSEPA1" minOccurs="0">
|
||||||
|
<xs:annotation>
|
||||||
|
<xs:documentation>This data element may be present either at ‘Payment Information’ or at ‘Credit Transfer Transaction Information’ level.</xs:documentation>
|
||||||
|
</xs:annotation>
|
||||||
|
</xs:element>
|
||||||
|
<xs:element name="ChrgBr" type="ChargeBearerTypeSEPACode" minOccurs="0">
|
||||||
|
<xs:annotation>
|
||||||
|
<xs:documentation>It is recommended that this element be specified at ‘Payment Information’ level.</xs:documentation>
|
||||||
|
</xs:annotation>
|
||||||
|
</xs:element>
|
||||||
|
<xs:element name="CdtTrfTxInf" type="CreditTransferTransactionInformationSCT" maxOccurs="unbounded"/>
|
||||||
|
</xs:sequence>
|
||||||
|
</xs:complexType>
|
||||||
|
<xs:simpleType name="PaymentMethodSCTCode">
|
||||||
|
<xs:restriction base="xs:string">
|
||||||
|
<xs:enumeration value="TRF"/>
|
||||||
|
</xs:restriction>
|
||||||
|
</xs:simpleType>
|
||||||
|
<xs:complexType name="PaymentTypeInformationSCT1">
|
||||||
|
<xs:sequence>
|
||||||
|
<xs:element name="InstrPrty" type="Priority2Code" minOccurs="0">
|
||||||
|
<xs:annotation>
|
||||||
|
<xs:documentation>If present, pre-agreed customer-to-bank conditions apply.</xs:documentation>
|
||||||
|
</xs:annotation>
|
||||||
|
</xs:element>
|
||||||
|
<xs:element name="SvcLvl" type="ServiceLevelSEPA"/>
|
||||||
|
<xs:element name="CtgyPurp" type="CategoryPurposeSEPA" minOccurs="0">
|
||||||
|
<xs:annotation>
|
||||||
|
<xs:documentation>Depending on the agreement between the Originator and the Originator Bank, ‘Category Purpose’ may be forwarded to the Beneficiary Bank.</xs:documentation>
|
||||||
|
</xs:annotation>
|
||||||
|
</xs:element>
|
||||||
|
</xs:sequence>
|
||||||
|
</xs:complexType>
|
||||||
|
<xs:complexType name="PaymentTypeInformationSCT2">
|
||||||
|
<xs:sequence>
|
||||||
|
<xs:element name="SvcLvl" type="ServiceLevelSEPA"/>
|
||||||
|
<xs:element name="CtgyPurp" type="CategoryPurposeSEPA" minOccurs="0">
|
||||||
|
<xs:annotation>
|
||||||
|
<xs:documentation>Depending on the agreement between the Originator and the Originator Bank, ‘Category Purpose’ may be forwarded to the Beneficiary Bank.</xs:documentation>
|
||||||
|
</xs:annotation>
|
||||||
|
</xs:element>
|
||||||
|
</xs:sequence>
|
||||||
|
</xs:complexType>
|
||||||
|
<xs:complexType name="PersonIdentificationSEPA1Choice">
|
||||||
|
<xs:sequence>
|
||||||
|
<xs:choice>
|
||||||
|
<xs:element name="DtAndPlcOfBirth" type="DateAndPlaceOfBirth"/>
|
||||||
|
<xs:element name="Othr" type="GenericPersonIdentification1"/>
|
||||||
|
</xs:choice>
|
||||||
|
</xs:sequence>
|
||||||
|
</xs:complexType>
|
||||||
|
<xs:complexType name="PersonIdentificationSchemeName1Choice">
|
||||||
|
<xs:sequence>
|
||||||
|
<xs:choice>
|
||||||
|
<xs:element name="Cd" type="ExternalPersonIdentification1Code"/>
|
||||||
|
<xs:element name="Prtry" type="Max35Text"/>
|
||||||
|
</xs:choice>
|
||||||
|
</xs:sequence>
|
||||||
|
</xs:complexType>
|
||||||
|
<xs:complexType name="PostalAddressSEPA">
|
||||||
|
<xs:sequence>
|
||||||
|
<xs:element name="Ctry" type="CountryCode" minOccurs="0"/>
|
||||||
|
<xs:element name="AdrLine" type="Max70Text" minOccurs="0" maxOccurs="2"/>
|
||||||
|
</xs:sequence>
|
||||||
|
</xs:complexType>
|
||||||
|
<xs:simpleType name="Priority2Code">
|
||||||
|
<xs:restriction base="xs:string">
|
||||||
|
<xs:enumeration value="HIGH"/>
|
||||||
|
<xs:enumeration value="NORM"/>
|
||||||
|
</xs:restriction>
|
||||||
|
</xs:simpleType>
|
||||||
|
<xs:complexType name="PurposeSEPA">
|
||||||
|
<xs:sequence>
|
||||||
|
<xs:element name="Cd" type="ExternalPurpose1Code">
|
||||||
|
<xs:annotation>
|
||||||
|
<xs:documentation>Only codes from the ISO 20022 ExternalPurposeCode list are allowed.</xs:documentation>
|
||||||
|
</xs:annotation>
|
||||||
|
</xs:element>
|
||||||
|
</xs:sequence>
|
||||||
|
</xs:complexType>
|
||||||
|
<xs:complexType name="RemittanceInformationSEPA1Choice">
|
||||||
|
<xs:sequence>
|
||||||
|
<xs:choice>
|
||||||
|
<xs:element name="Ustrd" type="Max140Text"/>
|
||||||
|
<xs:element name="Strd" type="StructuredRemittanceInformationSEPA1"/>
|
||||||
|
</xs:choice>
|
||||||
|
</xs:sequence>
|
||||||
|
</xs:complexType>
|
||||||
|
<xs:complexType name="ServiceLevelSEPA">
|
||||||
|
<xs:sequence>
|
||||||
|
<xs:element name="Cd" type="ExternalServiceLevel1Code"/>
|
||||||
|
</xs:sequence>
|
||||||
|
</xs:complexType>
|
||||||
|
<xs:complexType name="StructuredRemittanceInformationSEPA1">
|
||||||
|
<xs:sequence>
|
||||||
|
<xs:element name="CdtrRefInf" type="CreditorReferenceInformationSEPA1" minOccurs="0">
|
||||||
|
<xs:annotation>
|
||||||
|
<xs:documentation>When present, the receiving bank is not obliged to validate the the reference information. </xs:documentation>
|
||||||
|
</xs:annotation>
|
||||||
|
</xs:element>
|
||||||
|
</xs:sequence>
|
||||||
|
</xs:complexType>
|
||||||
|
<xs:simpleType name="RestrictedIdentificationSEPA1">
|
||||||
|
<xs:restriction base="xs:string">
|
||||||
|
<xs:pattern value="([A-Za-z0-9]|[\+|\?|/|\-|:|\(|\)|\.|,|'| ]){1,35}"/>
|
||||||
|
</xs:restriction>
|
||||||
|
</xs:simpleType>
|
||||||
|
</xs:schema>
|
||||||
Loading…
Add table
Reference in a new issue