Actual Depositor Notification (1030/1130)

For enabled insurer and other contracted integrations, this message delivers the holder name of the account that actually funded a virtual account.

Message Information

Item	Request	Response
Transaction type	`1030`	`1130`
Direction	Bank → Client institution	Client institution → Bank
Transaction number	Same as the original deposit	Retained

Bank

Hecto Financial

Client Institution

11. Actual depositor notice (1030)

1. Actual depositor notice (1030)

22. Deliver depositor notice (1030)

2. Deliver depositor notice (1030)

33. Acknowledge receipt (1130)

3. Acknowledge receipt (1130)

44. Forward acknowledgement (1130)

4. Forward acknowledgement (1130)

Individual Body

No.	Field	MODE	Length	Offset	Request	Response	Description
1	Common header	-	70	0	●	○	Same transaction number as the original deposit
2	Account number	AN	16	70	●	○	Virtual account number
3	Actual depositor name	AN	20	86	●	○	SPACE when unavailable
4	Handling bank	AN	2	106	●	○	Deposit bank
5	Bank branch	AN	4	108	●	○	Handling branch
6	Amount	N	13	112	●	○	Original deposit amount
7	Depositor label	AN	20	125	●	○	Label entered during deposit
8	Check amount	N	13	145	●	○	Check amount
9	CMS_CD	AN	15	158	●	○	CMS identifier
10	Filler	AN	14	173	●	○	SPACE
11	Bank code	AN	3	187	●	○	Three-digit financial institution code
12	Filler	AN	8	190	●	○	SPACE
13	Channel	AN	2	198	●	○	Deposit channel code

Processing Rules

Link the message to the deposit using the identical transaction number.
Store the depositor detail independently of arrival order.
A cancellation may occur after the depositor notification.
Treat the actual depositor name as personal data and avoid unnecessary display or logging.

Manage Deposit Status Separately

Receiving an actual depositor name does not finalize the deposit or prevent a later cancellation. Continue to derive deposit and cancellation state from deposit messages.

Need technical support?

Code Samples

HectoFinancial GitHub