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

ItemRequestResponse
Transaction type20002100
DirectionBank → Client institutionClient institution → Bank
Layout70-byte common header + 130-byte individual bodySame
Bank
Hecto Financial
Client Institution
11. Inquiry request (2000)
22. Inquiry request (2000)
33. Inquiry response (2100)
44. Inquiry response (2100)

Individual Body

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

No.FieldMODELengthOffsetRequestResponseDescription
1Common header-700Common Header
2Account numberAN1670Virtual account number
3Account-holder nameAN2086-Virtual-account display name
4Handling bankAN2106Two-digit bank code
5Bank branchAN4108SPACE if unused
6AmountN131120000000000000 when amount validation is not used
7Depositor labelAN20125Label entered by the depositor
8Check amountN13145Uncollected check amount
9CMS_CDAN15158CMS identifier
10FillerAN14173SPACE
11Bank codeAN3187Three-digit financial institution code
12FillerAN8190SPACE
13ChannelAN2198Channel Codes

set in the request message, carried in the response message, changed or populated in the response


Processing

  1. Check for a duplicate using transaction date + institution code + transaction number.
  2. Verify that the virtual account exists and is active.
  3. Validate the deposit period, allowed payment count, and amount if applicable.
  4. On success, populate the holder name and return response code 0000.
  5. 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

CodeMeaningHandling
0000SuccessAllow deposit
V141Institution system or format errorUse only for a temporary outage
V142Institution not openedVerify business start
V151Opening institution outside service hoursCheck operating hours
V309Duplicate transactionCheck the unique key
V413Other recipient restrictionUse only when no specific code applies
V416Already paid or payment count exceededCheck payment state
V682Deposit period mismatchCheck opening date
V683Deposit period expiredExpired transaction
V713Invalid amountAmount mismatch
V783Opening institution busy or unavailableTemporary rejection
V816Account not foundMissing virtual account
V817Account errorInvalid account state
VTIMTimeoutResponse delayed
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