Recipient Inquiry (2000/2100)

A bank uses this message to verify whether a customer can deposit into a virtual account and which account-holder name should be displayed.

Message Information

Item	Request	Response
Transaction type	`2000`	`2100`
Direction	Bank → Client institution	Client institution → Bank
Layout	70-byte common header + 130-byte individual body	Same

Bank

Hecto Financial

Client Institution

11. Inquiry request (2000)

1. Inquiry request (2000)

22. Inquiry request (2000)

2. Inquiry request (2000)

33. Inquiry response (2100)

3. Inquiry response (2100)

44. Inquiry response (2100)

4. Inquiry response (2100)

Individual Body

Offsets are zero-based byte offsets from the start of the message.

No.	Field	MODE	Length	Offset	Request	Response	Description
1	Common header	-	70	0	●	○	Common Header
2	Account number	AN	16	70	●	○	Virtual account number
3	Account-holder name	AN	20	86	-	⊙	Virtual-account display name
4	Handling bank	AN	2	106	●	○	Two-digit bank code
5	Bank branch	AN	4	108	●	○	SPACE if unused
6	Amount	N	13	112	●	○	`0000000000000` when amount validation is not used
7	Depositor label	AN	20	125	●	○	Label entered by the depositor
8	Check amount	N	13	145	●	○	Uncollected 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	●	○	Channel Codes

● set in the request message, ○ carried in the response message, ⊙ changed or populated in the response

Processing

Check for a duplicate using transaction date + institution code + transaction number.
Verify that the virtual account exists and is active.
Validate the deposit period, allowed payment count, and amount if applicable.
On success, populate the holder name and return response code 0000.
Otherwise, return the most specific business response code.

Deposit After a Successful Inquiry

After approving a recipient inquiry, do not reject the resulting deposit except for exceptional conditions such as a system outage. Avoid business rules that can invalidate the order between inquiry and deposit.

Common Response Codes

Code	Meaning	Handling
`0000`	Success	Allow deposit
`V141`	Institution system or format error	Use only for a temporary outage
`V142`	Institution not opened	Verify business start
`V151`	Opening institution outside service hours	Check operating hours
`V309`	Duplicate transaction	Check the unique key
`V413`	Other recipient restriction	Use only when no specific code applies
`V416`	Already paid or payment count exceeded	Check payment state
`V682`	Deposit period mismatch	Check opening date
`V683`	Deposit period expired	Expired transaction
`V713`	Invalid amount	Amount mismatch
`V783`	Opening institution busy or unavailable	Temporary rejection
`V816`	Account not found	Missing virtual account
`V817`	Account error	Invalid account state
`VTIM`	Timeout	Response delayed

Need technical support?

Code Samples

HectoFinancial GitHub