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1、BRITISH STANDARD BS ISO 7746:1998 Banking Telex formats for inter-bank messages ICS 03.060; 33.040.99 Licensed Copy: sheffieldun sheffieldun, na, Sat Nov 25 13:18:43 GMT+00:00 2006, Uncontrolled Copy, (c) BSI BS ISO 7746:1998 This British Standard, having been prepared under the direction of the DIS
2、C Board, was published under the authority of the Standards Board and comes into effect on 15 October 1998 BSI 06-1999 ISBN 0 580 30518 X National foreword This British Standard reproduces verbatim ISO 7746:1998 and implements it as the UK national standard. The UK participation in its preparation w
3、as entrusted to Technical Committee IST/12, Banking, securities and other financial services, which has the responsibility to: aid enquirers to understand the text; present to the responsible international/European committee any enquiries on the interpretation, or proposals for change, and keep the
4、UK interests informed; monitor related international and European developments and promulgate them in the UK. A list of organizations represented on this committee can be obtained on request to its secretary. Cross-references The British Standards which implement international or European publicatio
5、ns referred to in this document may be found in the BSI Standards Catalogue under the section entitled “International Standards Correspondence Index”, or by using the “Find” facility of the BSI Standards Electronic Catalogue. A British Standard does not purport to include all the necessary provision
6、s of a contract. Users of British Standards are responsible for their correct application. Compliance with a British Standard does not of itself confer immunity from legal obligations. Summary of pages This document comprises a front cover, an inside front cover, pages i and ii, the ISO title page,
7、pages ii to iv, pages 1 to 56, an inside back cover and a back cover. This standard has been updated (see copyright date) and may have had amendments incorporated. This will be indicated in the amendment table on the inside front cover. Amendments issued since publication Amd. No.DateComments Licens
8、ed Copy: sheffieldun sheffieldun, na, Sat Nov 25 13:18:43 GMT+00:00 2006, Uncontrolled Copy, (c) BSI BS ISO 7746:1998 BSI 06-1999i Contents Page National forewordInside front cover Forewordiii Text of ISO 77461 Licensed Copy: sheffieldun sheffieldun, na, Sat Nov 25 13:18:43 GMT+00:00 2006, Uncontrol
9、led Copy, (c) BSI ii blank Licensed Copy: sheffieldun sheffieldun, na, Sat Nov 25 13:18:43 GMT+00:00 2006, Uncontrolled Copy, (c) BSI Licensed Copy: sheffieldun sheffieldun, na, Sat Nov 25 13:18:43 GMT+00:00 2006, Uncontrolled Copy, (c) BSI BS ISO 7746:1998 ii BSI 06-1999 Contents Page Forewordiii I
10、ntroduction1 1Scope1 2Normative references1 3Definitions1 4Technical features of a telex format conforming with this International Standard2 5Message Structure5 Annex A (informative) Samples formats19 Annex B (informative) Diagrammatic representation of bank/customer identification fields, showing t
11、heir relationships with one anotherInside back cover Table 1 Identification of message types3 Table 2 Field identifiers6 Descriptors: Banking, banking documents, telex, messages, inter-bank payment messages, document architecture, formats. Licensed Copy: sheffieldun sheffieldun, na, Sat Nov 25 13:18
12、:43 GMT+00:00 2006, Uncontrolled Copy, (c) BSI BS ISO 7746:1998 BSI 06-1999iii Foreword 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 I
13、SO technical 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
14、closely with the International Electrotechnical Commission (IEC) on all matters of electrotechnical standardization. Draft International Standards adopted by the technical committees are circulated to the member bodies for voting. Publication as an International Standard requires approval by at leas
15、t 75 % of the member bodies casting a vote. International Standard ISO 7746 was prepared by Technical Committee ISO/TC 68, Banking and related financial services. This second edition cancels and replaces the first edition (ISO 7746:1988), of which it constitutes a technical revision. Annex A and Ann
16、ex B of this International Standard are for information only. Licensed Copy: sheffieldun sheffieldun, na, Sat Nov 25 13:18:43 GMT+00:00 2006, Uncontrolled Copy, (c) BSI iv blank Licensed Copy: sheffieldun sheffieldun, na, Sat Nov 25 13:18:43 GMT+00:00 2006, Uncontrolled Copy, (c) BSI BS ISO 7746:199
17、8 BSI 06-19991 Introduction Standard telex formats for inter-bank payment and other financial messages are required in order to a) prevent misinterpretation by the receiver of the senders instructions; “clean payment” message types have been specifically designed to be understandable to a receiver w
18、ho is not aware of the existence of this International Standard; b) provide format specifications which are suitable for the automatic (machine) handling of telex messages. Examples of messages using the non-standard (traditional) format, each followed by the format specified in this International S
19、tandard are shown in Annex A. The formats specified in this International Standard have been aligned, as far as it is possible to do so, with those formats specified by S.W.I.F.T. The ISO formats tend to be simpler and arise from the need to design a format readily understandable by a user holding n
20、either a copy of this International Standard nor of the S.W.I.F.T. manuals. This International Standard is not intended to dissuade users from using S.W.I.F.T. formats where it is appropriate to do so. Such users would need to agree their own start of transmission code (as explained in 4.6.1) for th
21、e use of strict S.W.I.F.T. format to be clearly understood by both parties. 1 Scope This International Standard specifies the format to be used for telex messages relating to the transfer of funds and other financial, messages, which are exchanged between banks. It does not address the division of r
22、esponsibility between sender and receiver. 2 Normative references The following standards contain provisions which, through reference in this text, constitute provisions of this International Standard. At the time of publication, the editions indicated were valid. All standards are subject to revisi
23、on, and parties to agreements based on this International Standard are encouraged to investigate the possibility of applying the most recent editions of the standards indicated below. Members of IEC and ISO maintain registers of currently valid International Standards. ISO 4217:1995, Codes for the r
24、epresentation of currencies and funds. ISO 7982:1987, Bank telecommunication Funds transfer messages Part 1: Vocabulary and data elements. ISO 8601:1988, Data elements and interchange formats Information interchange Representation of dates and times. International Chamber of Commerce, Paris: Uniform
25、 Customs and Practice for Documentary Credits. (Version in force at the time of the issue of the credit.) Uniform Rules for Collections. (Version in force at the time the collection is sent out.) 3 Definitions For the purpose of this International Standard, the following definitions apply. 3.1 claim
26、ing bank bank claiming reimbursement for payment(s) or negotiation(s) under a documentary credit 3.2 collecting bank correspondent commissioned by the remitting bank to see to the acceptance and/or payment of financial or commercial documents 3.3 funds transfer (abbreviated in this International Sta
27、ndard to “transfer”) complete movement of funds between the originator and the beneficiary. A funds transfer may consist of one or more funds transfer transactions Licensed Copy: sheffieldun sheffieldun, na, Sat Nov 25 13:18:43 GMT+00:00 2006, Uncontrolled Copy, (c) BSI BS ISO 7746:1998 2 BSI 06-199
28、9 3.4 funds transfer transaction (abbreviated in this International Standard to “transaction”) movement of funds directly between two parties, involving no intermediaries other than a payment or communication service 3.5 issuing bank bank issuing the documentary credit 3.6 message a communication co
29、ntaining one or more transactions or related information 3.7 multiple message one message containing more than one transaction or related information 3.8 reimbursing bank bank authorized by the issuing bank to honour claims for reimbursement of payment(s) or negotiation(s) under a documentary credit
30、 3.9 transmission a data sequence (answerbacks and messages) transmitted between two parties; and operating from the time of the establishment of a connection, to its termination 4 Technical features of a telex format conforming with this International Standard 4.1 Message categories The message typ
31、e is indicated by a three-digit number. The first digit shall indicate the category as follows: 1 Customer Transfers 2 Bank Transfers 3 Foreign Exchange and (Loan/Deposit Transactions) 4 Collections 5 (Securities) 6 (Reserved for future assignment) 7 Documentary Credits 8 (Special Messages) 9 Confir
32、mations and Statements NOTEItems in parentheses are not defined in this International Standard. The second and third digits of the message type shall indicate the specific purpose of the message within its general category. Where a message type is applicable to all categories, the first digit is sho
33、wn in this International Standard as n. Thus, n92 shall be taken to represent nine possible message types with n = 1 to n = 9. 4.2 Structuring of a transmission One transmission may contain several messages. Each message in a single transmission should contain its own header and trailer; and should
34、be separated by the code QQ. A multiple message shall contain several transactions. No more than 10 transactions shall be incorporated in a single multiple message. 4.3 Identification of message types Message types, as described in Table 1, shall be identified by the number and name shown. Licensed
35、Copy: sheffieldun sheffieldun, na, Sat Nov 25 13:18:43 GMT+00:00 2006, Uncontrolled Copy, (c) BSI BS ISO 7746:1998 BSI 06-19993 Table 1 Identification of message types Number and nameDescription 100Customer TransferA payment order in which either the originator and/or the beneficiary are non-banks 2
36、00Bank Transfer for Senders Own AccountA payment order in which the sender orders the transfer of funds from its account serviced by the receiver to its account serviced by another bank. 201Multiple Bank Transfer for Senders Own Account A multiple payment order in which the sender orders the transfe
37、r of funds from its account serviced by the receiver to its accounts serviced by other banks. 202Bank Transfer in favour of a third bankA payment order where the sender and the beneficiary are banks but not the same bank. Such a transfer is always in relation to some other transaction. 203Multiple T
38、ransfer in favour of a third bank A multiple payment order where the sender and beneficiary(ies) are banks but not the same bank. Such transfers are always in relation to other transactions. 210Notice to ReceiveAn advance notice to an account servicing bank that it will receive funds to be credited
39、to the account of the bank sending the notice. 300Foreign Exchange ConfirmationA message exchanged between banks to confirm a foreign exchange deal or an amendment to or cancellation of such a deal. This message may also be used to correct or complete a previously exchanged confirmation. 400Collecti
40、on. Advice of PaymentA message from the collecting bank to the remitting bank accounting for a collection or part thereof. The message type also handles the settlement of proceeds. 740Authorization to ReimburseA message sent by an issuing bank relating to a documentary credit. It contains a request
41、(and authorization) to honour claims for reimbursement under the identified documentary credit. 742Reimbursement ClaimClaim for reimbursement under a documentary credit. 747Amendment to an Authorization to Reimburse Amends a previously sent authorization to reimburse. 900Confirmation of DebitAdvice
42、by the account servicing bank of a debit to the account of the receiving (account owner) bank. 910Confirmation of CreditAdvice by the account servicing bank of a credit to the account of the receiving (account owner) bank. This message shall not be used to transmit payment instructions. n92Request f
43、or CancellationA message requesting the receiving bank to cancel the message identified in the request n95QueriesNarrative request for instructions or for information. n96AnswersResponse to Queries (n95) or Request for Cancellation (n92). Licensed Copy: sheffieldun sheffieldun, na, Sat Nov 25 13:18:
44、43 GMT+00:00 2006, Uncontrolled Copy, (c) BSI BS ISO 7746:1998 4 BSI 06-1999 4.4 Line length A line may consist of a field identifying code (field tag), a field descriptor and field content. A maximum line length is specified for the content of each field. It is permissible for the first line of the
45、 field content to appear on the same line as its field tag and descriptor (see 5.3.2). This line limit shall not apply to the collation line in the trailer (see 5.6). NOTEThese requirements allow compatibility with commercial international communication systems already operational. 4.5 Message struc
46、ture rules 4.5.1 All lines shall be justified to the left, unless otherwise specified in this International Standard. 4.5.2 Every message shall contain: a) header (see 5.1); b) instruction (or information) to the receiver (see 5.2); c) message text consisting of: field identifying codes (for field t
47、ags see 5.4); field descriptors (unless omitted, see 4.5.4); and field content; d) a trailer (see 5.6). An index of message components is included in Annex A. 4.5.3 Fields in a message shall be in the specified sequence for that message type. In a multiple message, field content common to all transa
48、ctions shall appear first, in numerical order (for instance 15 TEST KEY; 19 SUM OF AMOUNTS; 30 VALUE DATE; and 53 REIMBURSEMENT in Example 2B in Annex A), followed by five blank lines and the fields relating to the individual transactions. 4.5.4 Field descriptors (see 5.3.1) may be omitted when it i
49、s known that omission is acceptable to the receiver. 4.6 Separation indicators 4.6.1 Start of transmission: The code YZYZ shall be used to indicate that the transmission is in the format prescribed by this International Standard. This start of transmission code shall be separated from the next message element (header) by one blank line. 4.6.2 Separation of messages in a single transmission: The code QQ shall be used to indicate the end of one message in a transmission which includes several messages. Ten blank lines shall be used to se