Actual Depositor File
For contracted insurer and other integrations, Hecto Financial supplies actual-depositor information in a fixed-length file.
File Name
ISR{institution type}{transaction date}
Examples: ISR01YYYYMMDD, ISR02YYYYMMDD
The contracted file-transfer specification defines the institution type, delivery path, and schedule.
File Layout
The file contains one header, zero or more data records, and one trailer.
Header
Data
Data
...
Trailer
A day with no transactions still produces a file containing the header and trailer.
Header
| No. | Field | Type | Length | Cumulative | Description |
|---|---|---|---|---|---|
| 1 | Record type | A | 1 | 1 | H |
| 2 | Institution code | A | 8 | 9 | Assigned by Hecto Financial |
| 3 | Transaction date | A | 8 | 17 | YYYYMMDD |
| 4 | Filler | A | 131 | 148 | SPACE |
| 5 | Newline | A | 2 | 150 | CRLF |
Data
| No. | Field | Type | Length | Cumulative | Description |
|---|---|---|---|---|---|
| 1 | Record type | A | 1 | 1 | D |
| 2 | Institution code | A | 8 | 9 | Client institution |
| 3 | Bank code | A | 2 | 11 | Handling bank |
| 4 | Transaction number | A | 7 | 18 | Hecto Financial transaction number |
| 5 | Bank transaction number | A | 20 | 38 | Assigned by the bank |
| 6 | Transaction date | A | 8 | 46 | YYYYMMDD |
| 7 | Transaction time | A | 6 | 52 | HHMMSS |
| 8 | Account number | A | 16 | 68 | Virtual account |
| 9 | Amount | N | 13 | 81 | KRW, zero-padded |
| 10 | Actual depositor name | A | 50 | 131 | Holder of the funding account |
| 11 | Filler | A | 17 | 148 | SPACE |
| 12 | Newline | A | 2 | 150 | CRLF |
Trailer
| No. | Field | Type | Length | Cumulative | Description |
|---|---|---|---|---|---|
| 1 | Record type | A | 1 | 1 | T |
| 2 | Total record count | N | 7 | 8 | Header + data + trailer lines |
| 3 | Filler | A | 140 | 148 | SPACE |
| 4 | Newline | A | 2 | 150 | CRLF |
Validation
- Validate the institution type and date in the file name.
- Confirm every line is 150 bytes including CRLF.
- Require
Has the first line andTas the final line. - Compare the trailer count with the physical line count.
- Verify institution code and transaction date consistency.
- Prevent duplicate posting using
transaction date + institution code + transaction number.
Validate Bytes, Not Characters
The file encoding is EUC-KR. Korean depositor names make character count different from byte count, so validate that every EUC-KR encoded line is exactly 150 bytes.
Need technical support?
Code Samples
HectoFinancial GitHub