 |
Direct Entry System –
File
Specifications for Employee Benefits Card Accounts |
|
| |
|
|
Table of Contents
- Introduction
- Definitions
- Descriptive Record '0' (Header)
- Detail Record '1'
- File Total Record '7' (Trailer)
- Direct entry Transaction Codes
- Sample file layout
1. Introduction
The Direct Entry system is commonly used for banking
transactions in Australia by many businesses. The type of transactions
range from salary disbursements to creditor payments and dividend
distributions. There are a number of electronic banking packages
offered by major banks (for example Deskbank is offered by Westpac)
which use the Direct Entry system to effect payments between accounts.
These types of transactions are sometimes referred to as "direct
credits",
reflecting the 'credit' which is sent to another bank account.
The
following document gives the file specifications for Direct Entry
files and how the different fields should be used when making payments
to Employee Benefits Card accounts. It is important to note there
are no special file designs or field lengths used when making these
payments apart from those already contained in the Direct Entry file
format. However the way the fields are used does vary slightly from
other payments made to normal bank accounts.
< Back to
Top |
| |
2. Definitions
Commonly used terms associated with file formatting and their definitions
are as follows: |
| |
| Left justified
|
start input in the first character position
of that field |
| Right justified |
end input in the last character position of
that field |
| Blank filled |
fills the unused portion of that field with
blank spaces |
| Zero filled |
fills the unused portion of that field with
zeros |
| Unsigned |
used in amount fields. Amounts will not be
specified as debit or credit. |
< Back to Top |
| |
3. Descriptive Record '0' (Header)
|
| |
Char Pos |
Field Size |
Field Description |
Specification |
| 1 |
1 |
Record Type 0 |
Must be '0' |
| 2-18 |
17 |
Blank |
Must be filled. |
| 19-20 |
2 |
Reel Sequence Number |
Must be numeric commencing at 01.
Right justified.
Zero filled. |
| 21-23 |
3 |
Name of User's Financial Institution |
Must be approved Financial Institution abbreviation.
If using Westpac to process files, Westpac's abbreviation is "WBC".
Consult FI for correct abbreviation if processing FI is other than
Westpac. |
| 24-30 |
7 |
Blank |
Must be blank filled. |
| 31-56 |
26 |
Name of Use supplying
file |
Must be User Preferred
Specification as advised by User's FI. Left justified, blank filled.
All coded character set valid. Must not be all blanks. |
| 57-62 |
6 |
Name of Use supplying
file |
Must be User Identification
Number which is allocated by APCA. Must be numeric, right justified,
zero filled. |
| 63-74 |
12 |
Description of entries
on file e.g. "PAYROLL" |
All coded character set
valid. Must not be all blanks. Left justified, blank filled. |
| 75-80 |
6 |
Date to be processed (i,e.
the date transactions are released to all Financial Institutions) |
Must be numeric in the
formal of DDMMYY. Must be a valid date. Zero filled. |
| 81-120 |
40 |
Blank |
Must be blank filled. |
| Note: all
unused fields must be blank filled |
< Back to Top |
| |
4. Detail Record '1'
|
| |
Char
Pos |
Field
Size |
Field
Description |
Specification |
| 1 |
1 |
Record Type 1 |
Must be '1' |
| 2-8 |
7 |
Bank/State/Branch Number |
Must be numeric with hyphen
in character position 5. Character positions 2 and 3 must equal
valid Financial Institution number. Character position 4 must equal
a valid state number (0-9). For credits to Employee Benefits Card
accounts, field must always contain BSB 032-898 |
| 9-17 |
9 |
Account number to be credited/debited |
Numeric, hyphens and
blanks only are valid. Must not contain all blanks (unless a
credit card transaction) or zeros. Leading zeros which are part
of a valid account number must be shown, e.g. 00-1234.
Westpac
recommends that (except in the above example) ALL hyphens are
edited out.
Where account number exceeds nine characters, edit out hyphens.
Right justified, blank filled.
For credits to Employee Benefits
Card accounts, Account Number field
must always be 999999 |
| 18 |
1 |
Indicator |
"N" – for
new or varied Bank (FI)/State/Branch number or name details, otherwise
blank filled.
Withholding Tax Indicators:
"W" – dividend paid to a resident of a country
where a double tax agreement is in force.
"X" – dividend paid to a resident of any other
country.
"Y" – interest paid to all non-residents.
The amount of withholding tax is to appear in character positions
113-120.
Note: Where withholding tax has been deducted the appropriate Indicator
as shown above is to be used and will override the normal indicator. |
| 19-20 |
2 |
Transaction Code |
Must be transaction code
53 |
| 21-30 |
10 |
Amount |
Only numeric valid. Must
be greater than zero. Shown in cents without punctuations. Right
justified, zero filled. Unsigned. |
| 31-62 |
32 |
Title of Account to be
credited/debited |
All coded character set
valid. Must not be all blanks. Left justified, blank filled.
Desirable Format for Transaction Account credits:
- Surname (period)
Blank
- given name with blanks between each name |
| 63-80 |
18 |
Lodgement Reference |
All coded character set
valid. Field must be left justified, and contain only
the 16 character Employee Benefits Card number; for example 5550033890123456.
No leading spaces, zeroes, hyphens or other characters can be included.
|
81-87 |
7 |
Trace Record
(BSB
Number in format XXX-XXX) |
Bank (FI)/State/Branch
and account number of User to enable retracing of the entry to
its source if necessary. Only numeric and hyphens valid. Character
positions 81 & 82 must equal a valid Financial Institution
number. Character position 83 must equal a valid State number (0-9).
Character position 84 must be a hyphen.
|
| 88-96 |
9 |
(Account number) |
Right justified, blank
filled. |
| 97-112 |
16 |
Name of Remitter |
Name of originator of
the entry. This may vary from Name of the User. All coded character
set valid. Must not contain all blanks. Left justified, blank filled. |
| 113-120 |
8 |
Amount of Withholding
Tax |
Numeric only valid. Show
in cents without punctuation. Right justified, zero filled. Unsigned. |
| Note: all
fields must be completed |
< Back to Top |
| |
5. File Total Record '7' (Trailer)
|
| |
Char
Pos |
Field
Size |
Field
Description |
Specification |
| 1 |
1 |
Record Type 7 |
Must be '7' |
| 2-8 |
7 |
BSB Format Filler |
Must be '999-999' |
| 9-20 |
12 |
Blank |
Must be blank filled. |
| 21-30 |
10 |
File (User) Net Total
Amount |
Numeric only valid. Must
equal the difference between File Credit & File Debit Total
Amounts. Show in cents without punctuation. Right justified, zero
filled. Unsigned. |
| 31-40 |
10 |
File (User) Credit Total
Amount |
Numeric only valid. Must
equal the accumulated total of credit Detail Record amounts. Show
in cents without punctuation. Right justified, zero filled. Unsigned. |
| 41-50 |
10 |
File (User) Debit Total
Amount |
Numeric only valid. Must
equal the accumulated total of debit Detail Record amounts. Show
in cents without punctuation. Right justified, zero filled. Unsigned. |
| 51-74 |
24 |
Blank |
Must be blank filled. |
| 75-80 |
6 |
File (user) count of Records
Type 1 |
Numeric only valid. Must
equal accumulated number of Record Type 1 items on the file. Right
justified, zero filled. |
| 81-120 |
40 |
Blank |
Must be blank filled. |
| Note: all
unused fields must be blank filled |
< Back to Top |
| |
6. Direct Entry Transaction Codes
|
| |
| There is only one transaction code that can be used for payments
to Employee Benefits Card accounts: |
| |
| Trancode |
Trancode Description |
| 53 |
Pay |
< Back to Top |
| |
7. Sample File Layout
|
| |
Below is a sample file containing credits to both Employee
Benefits Card accounts and to regular bank accounts. Note that payments
to Employee Benefits Card accounts can be included in files containing
other credits if desired (for example payroll disbursements to employee
bank accounts), as long as the fields are completed correctly.
Any incorrectly
completed transactions will be rejected Westpac and the value will
be returned to the trace record account specified in the record. |
| |
 |
Click on sample above to enlarge
< Back to
Top |
| |
|
|
| |
|
|
| |
|
|
