Account Holder Inquiry (6000/100)
Used to verify account validity and account holder name before a transfer. Used as a pre-transfer preliminary transaction.
Message Information
| Item | Request | Response |
|---|---|---|
| Message code | 6000 | 6100 |
| Business type | 100 | 100 |
| Direction | Merchant → Bank | Bank → Merchant |
NOTE
Required Inquiry Before Transfer
It is recommended to always perform an account holder inquiry to verify the account holder before making a payment.
Common Header (100 bytes)
This is the common header for all Real-Time Firm Banking messages.
| No | Field | Position | Length | Required | Description |
|---|---|---|---|---|---|
| 1 | Identification code | 0 | 9 | Y | Recipient's TRANSACTION CODE (SETTLEBNK or SPACE) |
| 2 | Merchant ID | 9 | 12 | Y | Merchant ID assigned by Hecto Financial |
| 3 | Bank code | 21 | 3 | Y | Opening bank code contracted for firm banking |
| 4 | Message type code | 24 | 4 | Y | Message code (request: 6000, response: 6100) |
| 5 | Business type code | 28 | 3 | Y | Business type (100) |
| 6 | Transmission count | 31 | 1 | Y | Fixed value '1' |
| 7 | Message sequence number | 32 | 6 | Y | Daily unique sequence number (MAX 950,000) |
| 8 | Transmission date | 38 | 8 | Y | Message transmission date (YYYYMMDD) |
| 9 | Transmission time | 46 | 6 | Y | Message transmission time (hhmmss) |
| 10 | Response code | 52 | 4 | - | Response code (error code), SPACE on request |
| 11 | Reserved area | 56 | 44 | - | Hecto Financial proprietary area |
Individual Body (200 bytes)
Request/Response Parameters
| No | Field | Position | Length | Required | Description |
|---|---|---|---|---|---|
| 1 | Account number | 100 | 15 | Y | Account number to query |
| 2 | Real-name number | 115 | 13 | Y | Date of birth (YYMMDD) or business registration number |
| 3 | Account holder name 1 | 128 | 12 | - | Account holder name, max 12 bytes (response) |
| 4 | Bank code | 140 | 3 | Y | Bank code to query |
| 5 | Amount | 143 | 13 | Y | Inquiry amount |
| 6 | Master account number | 156 | 15 | N | Used by specific banks (MG Community Credit Cooperative, Kwangju Bank, NCUF, etc.) |
| 7 | Real-name number check type | 171 | 2 | N | Not available from August 7, 2014 |
| 8 | Account holder name 2 | 173 | 20 | - | Account holder name, max 20 bytes (response, specific banks) |
| 9 | Account lock status | 193 | 1 | - | Withdrawal restriction (Y: Restricted, N: No restriction) (response) |
| 10 | Account status | 194 | 1 | - | Open/closed status (N: Open, C: Closed) (response) |
| 11 | Account status date | 195 | 8 | - | Date account status was applied (response) |
| 12 | Registration institution code | 203 | 2 | - | Registration institution (01: KONEPS, 02: CleanPay) (response) |
| 13 | KakaoPay product code | 205 | 8 | N | NH Bank KakaoPay exclusive |
| 14 | Reserved | 213 | 87 | - | SPACE |
Message Structure
Account Holder Inquiry Request Message (300 bytes)300 bytes
Common header100B · offset 0
Identification code9 · 0
Merchant ID12 · 9
Bank code3 · 21
Message type code4 · 24
Business type code3 · 28
Transmission count1 · 31
Message sequence number6 · 32
Transmission date8 · 38
Transmission time6 · 46
Response code4 · 52
Reserved area44 · 56
Individual body200B · offset 100
Account number15 · 100
Real-name number13 · 115
Account holder name 112 · 128
Bank code3 · 140
Amount13 · 143
Master account number15 · 156
Real-name number check type2 · 171
Account holder name 220 · 173
Account lock status1 · 193
Account status1 · 194
Account status date8 · 195
Registration institution code2 · 203
KakaoPay product code8 · 205
Reserved87 · 213
필수
선택
응답전용 / 예비
길이 · 위치Response Parameters
| No | Field | Position | Length | Description |
|---|---|---|---|---|
| 3 | Account holder name 1 | 128 | 12 | Account holder name (max 12 bytes) |
| 8 | Account holder name 2 | 173 | 20 | Account holder name (max 20 bytes, specific banks) |
| 9 | Account lock status | 193 | 1 | Withdrawal restriction (Y/N) |
| 10 | Account status | 194 | 1 | Open/closed status (N/C) |
| 11 | Account status date | 195 | 8 | Date account status was applied |
| 12 | Registration institution code | 203 | 2 | Registration institution (KONEPS/CleanPay only) |
Usage Scenario
1. Merchant → Bank: Account holder inquiry request (6000/100)
2. Bank → Merchant: Account holder inquiry response (6100/100)
- Normal: Returns account holder name
- Failed: Error code set in response code
3. Proceed with transfer after verifying account holder (2000/100)
Notes
- For NH Bank reserve transfers, the account holder inquiry message sequence number must be set in the original transaction message sequence number field of the transfer message (2000/100).
- Response codes vary by bank.
- Account holder name 1 (max 12 bytes) is returned for most banks. Account holder name 2 (20 bytes) is returned for specific banks: IBK, Suhyup, NH, Woori, SC, Gwangju, MG, NCUF, Jeju, Kyongnam, KBank, KakaoBank, Toss Bank.
- Account lock status/account status/account status date/registration institution code (fields 9–12) are limited to KONEPS and CleanPay.
- Individual business accounts can be queried using the date of birth.
Need technical support?
Code Samples
HectoFinancial GitHub