user manual KeyDirect
Contents
1. Code Meaning Description CHQB Check beneficiary Payment is made by check i l INTC company Payment between two companies that belong to the same group NETS Net Settlement System Payment to be executed via NETS Bilaterally agreed codes information can be OTHE NAEP IEE RS OUI relayed in the variable text structured free text Th ficiary i d by the PHON variable text Telephone i pene vee tome contacted dy beneficiary s bank by phone RTGS Real Time Gross Settlement Payment to be executed via RTGS Time iti ted as quick URGP Urgent payment ime sensitive payment to be execute quickly as possible Instruction to transmit an amount to a recipient in EQUI Equivalent a currency that corresponds to the amount of a payment initiated in another currency UBS KeyDirect user manual Page 16 of 31 5 6 Function FT51 Single payments in SWIFT MT100 MT100 can be used to transmit single payments charged to UBS accounts and accounts at third party banks A confirmation message MTO1K incl ACK or NAK and the corresponding error code is sent for every individual order 5 7 Function FT52 Single payment orders in SWIFT MT101 MT101 can be used to submit single payments charged to UBS accounts and accounts at third party banks A confirmation message MTO1K incl ACK or NAK and the corresponding error code is sent for every individual order 5 8 Functions FT61 amp FT62 DTA payments 5 8 1 Scope UBS offers the tran2. e Code BEN All costs charged to beneficiary Service fee and third party costs charged to beneficiary e Code SHA Shared costs The service fee is charged to the order issuer and the beneficiary UBS KeyDirect user manual Page 15 of 31 5 4 Field 23 SWIFT payment MT101 The following codes are accepted and validated in the Instructions field Code 23E Code Meaning Description CHQB Check beneficiary Payment is made by check P ies th l to INTC intercompany ayment between two companies that belong the same group NETS Net Settlement System Payment to be executed via NETS F Bilaterally agreed codes information can be OTAR varlanlere st OUR relayed in the variable text structured free text ote h PHON variable text Telephone The pangu any is to be contacted by the beneficiary s bank by phone RTGS Real Time Gross Settlement Payment to be executed via RTGS Re icki URGP Urgent payment Time sensitive payment to be executed as quickly as possible Instruction to transmit an amount to a recipient in EQUI Equivalent a currency that corresponds to the amount of a payment initiated in another currency 5 5 Field 72 SWIFT payments MT100 For technical reasons the free text in field 72 is limited to 6 lines with 30 characters on each Excess characters at the end of the line are cut off and not relayed to the third party bank The following codes are accepted and validated
3. A confirmation file is created for every LSV file received If a file does not contain any formal errors ACK is returned in field 7A If the file cannot be accepted NAK is generated in field 7A The exact details regarding the cause of the error are supplied in fields 21 sequence number and 79 error code If a file contains an error the entire file is rejected 4 4 DDO2 function SIC AG s recapitulation and error list The feedback sent by SIC AG to UBS recapitulation list and an import and error list in the case of an error are retrieved in text format with the DDO2 function 4 5 DDO3 function Notification of incoming direct debit payments The DDO3 function is used to retrieve the file with the references of the type 3 credit records similar to the BD31 function The file only contains credits from direct debit payments UBS KeyDirect consolidates all notifications so that there is always only one file available If a client has several accounts the incoming payments for all accounts are provided in a file The following must be taken into account e Periodicity The acknowledgment of the incoming amounts occurs once a day e Booking The incoming payments are credited daily to the credit account e Data provision The file with the notifications is available for retrieval the following day The data is coded in ASCII format in a collective file The incoming payments to all accounts are stored in a file The total record is
4. files are provided by default at 7 a m 11 a m and 3 p m e There are two ways in which files are provided o Incremental default Only the newly accrued bookings are retrieved each time the system is accessed The bookings are only ever available once per file differential margin o All All available data is downloaded each time the system is accessed This file is filled cumulatively i e the data that has already been loaded is transmitted again total quantity each time the system is accessed e A floor limit default zero can be used to specify that only the information about the amounts that are the same or greater than the limit requested by the client is supplied e Itis possible to specify that a file should always be created at the requested time even if no transactions have occurred or that a file should be created only when transactions have occurred default UBS KeyDirect user manual Page 10 of 31 2 4 BD21 function Account balance and booked transactions MT940 This function reports the booked balance of the previous day the booked transactions the value date balance of the previous day and the value date series in the future of the advance notification transactions UBS KeyDirect provides you with the balances and transactions for each account in one or more separate notifications once a day The following principles are important e With the BD21 function UBS KeyDirect can also supply a message
5. message receipt and syntax BANSTA Status report syntax The detailed specifications for the status reports can be found on the home page of SIX Payment Services at www sic ch UBS KeyDirect user manual Page 24 of 31 9 ISO 20022 9 1 Scope UBS makes it possible to electronically transmit collective orders in ISO 20022 format with ISO 20022 via UBS KeyDirect Correct payment orders are processed immediately orders with errors are rejected Unprocessed payment orders are shown in an error log The entire order or individual payments can be canceled as long as the payments have not yet been initiated ISO 20022 reporting via UBS KeyDirect enables UBS clients to retrieve their account information electronically from UBS by means of account information messages in ISO 20022 XML format The prerequisite for this is that the person receiving account information is able to process messages in ISO 20022 XML format 9 2 ISO 20022 Transmission of collective orders 9 2 1 Payment types The following payment types are available ESR payments Domestic CHF payments TA827 Foreign CHF foreign currency payments and domestic foreign currency payments TA830 Domestic and foreign payments with IBAN in CHF foreign currency SEPA payments in EUR SEPA direct debits 9 2 2 Payment functions The following functions are available to issue payment orders Function Description PNO1 Deliveries of payment orders
6. on the next working day of the bank y Creation of the DTA log file FT63 which is available at around 6 30 a m 9 a m 12 p m 3 30 p m and 9 30 p m after the DTA file has been transmitted Receipt of DTA log file Payments can be valued up to 60 calendar days in the future Payments valued in the past are executed with the next possible date The value or processing date may be up to 7 days in the past on the submission date If this timeframe 7 days or 60 days is exceeded the entire file is rejected UBS KeyDirect user manual Page 18 of 31 5 9 Function FT63 DTA log file This log file provides information on which payments UBS has accepted Payments that have not been accepted are shown with the reason they were rejected As the credit rating is only checked when the order is executed payments that have to be rejected because of the credit rating are shown in the log file as executed UBS KeyDirect user manual Page 19 of 31 6 Exchange rates FX The FX22 Exchange Rates function periodically supplies foreign exchange spot rates from UBS Quotes The data is updated every half hour during regular trading hours The specified rates are purely for informational purposes UBS assumes no liability for their correctness The rates are listed in a table and can be retrieved by file transfer Currencies Buy sen Time Date EUR CHF 1 2014 1 2012 09 17 29 AM November 18 2014 EUR USD 1 2487 1 2486
7. recalculated each time UBS KeyDirect user manual Page 14 of 31 5 Payment orders FT 5 1 Scope The Payment orders FT function group makes it possible to electronically transmit SWIFT payments and collective orders in DTA format Processing is carried out in accordance with the execution date and the cut off times of the respective currency Functions FT51 and FT52 are available for urgent individual payments in CHF or foreign currency Functions FT61 and FT62 for collective orders The DTA format FT61 amp FT62 functions recognizes the following payment types e ESR payments TA826 e Domestic CHF payments TA827 e Foreign CHF foreign currency payments abroad and domestic foreign currency payments TA830 e Bank check in CHF foreign currency TA832 e Domestic and foreign CHF foreign currency payments with IBAN IPI TA836 5 2 Functions The following functions are available to issue payment orders Functions Description FT51 Individual payment orders in SWIFT format MT100 FT52 Individual payment orders in SWIFT format MT101 FT61 Payment orders in DTA format with paper based confirmation FT62 Payment orders in DTA format with paper based confirmation FT63 DTA feedback log file 5 3 Expense options SWIFT payments The expenses can be influenced in the Expense option field Code 71A as follows e Code OUR All costs charged to order issuer Service fee and third party costs charged to order issuer
8. 0 messages It provides information on booked transactions for the accounts in question It contains the booked transactions details on the respective bookings and the balance notifications relating to the accounts The CAMT053 end of day account statement is provided by around 8 a m on the morning after the end of day processing and relates to the account information of the previous day UBS KeyDirect user manual Page 26 of 31 10 Supply Chain Solutions SCS 10 1 Scope The Supply Chain Solution SCS via UBS KeyDirect enables UBS clients to electronically transmit payment orders SCF Payment Order and or information related to receivables Purchase Flex 10 2 Formats UBS clients must have the technical capability to send their messages in the Comma Separated Values CSV format in line with SCS requirements 10 3 Order types The following types of orders can be used Order type EBICS Supply chain finance XS3 Purchase Flex XFA XFB XFC X Change SCFNRAIN FACAF FACFF FACCF Comments SCF payment order Address file Facture file Combination file address amp facture file UBS KeyDirect user manual Page 27 of 31 11 Special provisions 11 1 KeyDirect X change For identification vis a vis UBS the UBS client receives a key CD and an appropriate password which cannot be modified by the client for the X Change authentication process The KeyDirect ID is a fixed serial number assigned to ev
9. 09 17 29 AM November 18 2014 AUD CHF 0 8394 0 839 9 17 05 AM November 18 2014 AUD USD 0 8725 0 8723 9 17 50 AM November 18 2014 JPY CHF 0 8242 0 8239 9 17 38 AM November 18 2014 UBS KeyDirect user manual Page 20 of 31 7 System functions SY The System functions SY are support functions which can be used manually or automatically in an interactive dialog 7 1 Function SY01 Info about activated functions This function provides an overview of which system functions are being actively used 7 2 Function SY02 Info about all functions Regardless of the functions activated as stipulated in the agreement the SY02 function provides an overview of the general functions that UBS KeyDirect supports 7 3 Function SY03 Info on available data The SY03 function makes it possible to determine which system functions and data are made available when ordered once 7 4 Function SY71 BIC BC reference table When issuing payment orders the BIC address Bank Identifier Code or the BC number bank clearing number of the beneficiary bank must also be supplied The reference table provides active BIC addresses and BC numbers In addition this table can be used to convert BC numbers to BIC addresses The table is structured as follows Field Field size BIC address 11 characters BC code 10 characters max Bank name 105 characters max Bank address 25 characters max 7 5 Function SY99 Communication t
10. 3 UBS User manual UBS KeyDirect Version 6 1 June 2015 Table of Contents ES He A NS oi Un amp w N 1 5 1 1 5 2 1 5 3 2 1 2 2 2 3 2 4 2 5 2 6 3 1 3 2 3 3 3 4 4 1 4 2 4 3 4 4 4 5 5 1 5 2 5 3 5 4 5 5 5 6 5 7 5 8 5 8 1 5 8 2 UBS KeyDirect client interfaces sra oe ee i n 4 PSU cel ete Sita Patel a e sn Jae eardnat 4 WBS REVDICCU Re RP M mate tn a Pokaan Teens nee dr a an ee 4 COMMUNICATION TYPES SR ed et te ne 7 Excehandingintonmnatiohsas le e o eS 7 SEU mechani SMS re atacand cir alterna ada nm 8 Protocol encryption airis 8 Data Compression nana nn nt cn See den idee din 8 CAC a dd a 8 Account information BD oonnmnninnccccncnonanananaccno nana nananaaac cnn nn anna rn rara 9 OO dan CARERE REEE EA Aa O AAA AA AAA Aida 9 O cda oa 9 BD16 function Pending account transactions MT942 10 BD21 function Account balance and booked transactions MT940 sees 11 BD25 function Accrued credit debit advices MT942 conc nc noconanonnncninnn 11 BD31 function UBS BESR notifications e nn cala he con oe ome pd 12 Electronic documents E Sheree RAR O 13 AE 13 E A A A 13 ESO1 function Ordering e dOCUMENtS Re AR A te eee 13 Archiving TEQUIFEMENL antic cern are a an eha hn anaia a a a 13 Incoming payments LSV BDD DD sir 14 SCOD eee era dns ee ere er ee re ee ee eee eee eee 14 FUNCIONA e a a A e A a ee ee ee ae ee 14 DDO1 function Deliver
11. T system by unauthorized individuals incl virus and or Trojans misuse of a password CRT key challenge response test or the private key or during data transmission The UBS client is aware of the risks of routing UBS KeyDirect traffic over open systems accessible to everyone such as public and private data transmission networks internet servers access providers Security software is used for UBS KeyDirect usage via the Internet which encrypts the data content to be transmitted with the exception of the sender and recipient Encryption however cannot prevent the targeted manipulation of the client s IT system by unauthorized individuals via the internet This is the client s responsibility If a connection is established to UBS with UBS KeyDirect via the Internet the client is obligated to monitor the accuracy of the selected UBS address and the encryption of the data transmission being used with a security symbol in order to prevent errors and misuse If an irregularity is found the connection must be terminated and the findings reported to UBS immediately If the UBS client also uses software that is not critical for operation for UBS KeyDirect which violates or conflicts with his her responsibility of due diligence the client shall be responsible for any damage arising from a violation of this kind Furthermore the client shall be obliged to take all precautions required to protect any data stored on his her IT System UBS Ke
12. a ntfs di ete ait 27 Special PrOVISIONS sscceisisicesecksssececdescecsetcsscecescvecussereushcdsbeecesvasvexeceessucucavsueveyeuscewouvvasavn vestetts 28 KeyDirect X changes ee ere ere reer rier rivet ire tier Veer fer arene ret ar er rere tate Some meee Re MET te cee 28 KeyDirect EBICS oi A AA A AA AA AE dida 28 Identification ete ia 29 PALOS Hit A AAA eee 29 A acl 29 legal disclaimer APES EI CUMS iO AAA 30 A OOO 30 A Laure tag ag au a an a a a a dt le tt a ae ae aaa aaah 30 UBS KeyDirect ho UMSS 31 UBS KeyDirect user manual Page 3 of 31 1 UBS KeyDirect client interface 1 1 Preface This document provides an overview of the functions and options in UBS KeyDirect It lists the various banking functions available describes possible communication channels and outlines the security mechanisms required to establish a connection with UBS KeyDirect A detailed description of the available functions is also provided for a more in depth look at the banking functions You can find a description of the technical requirements in the document UBS KeyDirect Technical Handbook 1 2 UBS KeyDirect UBS KeyDirect is a standardized interface for open communication between UBS and its clients As a front end system it is designed to handle the electronic communication with the various client systems thereby releasing UBS from responsibility for security and communication tasks The interface which is based on internationally recognized indus
13. ay position in SWIFT MT942 BD21 Notification of intraday position with display of account balance in SWIFT MT940 BD25 Notification of accrued credit and debit advices in SWIFT MT942 BD26 Notification of accrued debit advices in SWIFT MT900 BD27 Notification of accrued credit advices in SWIFT MT910 BD31 UBS BESR notifications As additional services UBS supplies a code value for the BD16 and BD21 functions This Enhanced Booking Text Code EBTC can be implemented in a text with four languages using a help table This text provides detailed information about the booking type The code table PDF format can be found online at www ubs com keydirect UBS KeyDirect user manual Page 9 of 31 2 3 BD16 function Pending account transactions MT942 Pending account transactions are reported as follows with this function e All pending account transactions that have not yet been booked in end of day processing are supplied at defined intervals All transactions with a value date after the current day s date are supplied with this function Here transactions are reported every day up to the day value date today in this function When the value date is reached value date today these transactions are booked in end of day processing and appear again in the BD21 function as definitively booked the following day e Any interval within the 24 hour period may be selected for time of file creation The shortest interval is half an hour
14. d booked FINSTA i transactions end of day Electronic signature AUTACK S UTAG authentication acknowledgment Security KEYMAN Public key and certificate management CIPHER Message encryption based on X 509 certificates eneore PAYMUL Collective payment order y Individual payment order with PAYMUL D96A online BANSTA Bank specific status notification Status Technical status notification about CONTRL e receipt CONTRL light or e receipt and syntax check CONTRL normal ISO 20022 Function Description Paene PNO1 Submission of payment orders in the ISO 20022 format without paper based confirmation Status PNO2 ISO 20022 feedback log file PNO8 Delivery of SEPA direct debit files in ISO 20022 format CAMT052 Event based provision of intraday debits and credits CAMT CAMT053 Account balance incl value date series and booked transactions UBS KeyDirect user manual Page 6 of 31 1 3 Communication types The table below shows the possible types of communication Type Protocol Access Server address 1 amp 2 keydirect ubs com Internet TCP IP Port 7005 Server address 1 193 134 254 4 Server address 2 193 134 254 132 Port 7005 Direct dial PPP TCP IP Analog telephone 0840 840 520 ISDN telephone 0840 840 521 or 0840 840 522 PPP user pass ppp1 elkppp The SSL secured TCP IP protocol is used for the connection Please refer to the software package documentation or contact your software
15. ders can depending on the delivery date and the requested processing day value date be canceled through the UBS KeyDirect hotline Tel 0848 807 848 UBS KeyDirect user manual Page 17 of 31 5 8 2 Booking and notification Domestic CHF orders Domestic CHF orders are merged to form a collective booking for each processing day and a notification provided by a total debit note Foreign CHF orders and foreign currencies Foreign CHF orders and the foreign currencies are merged to form a collective booking for each currency and processing day The notification is issued as a total debit note one note for all orders Individual notes are possible but the code SP single payment also has to be supplied in field 72 Expense codes Payments in the TA830 format with the expense codes BEN or OUR in field 72 are processed as a single booking with an individual debit Payments in the TA836 format with the expense codes 0 OUR or 1 BEN in field 71A are processed as a single booking with an individual debit Expense code 2 SHA shared expenses is to be used for collective postings 5 83 Timeline Client UBS KeyDirect Transmission of the DTA file gt Immediate check of the DTA file y Receipt of confirmation file with ACK NAK e Creation of the MTO1K confirmation file within notification in MTO1K the same connection session 0 If the DTA file is delivered by the cut off time 8 a m it is booked on the same day otherwise
16. e notes and is no longer available e If the credit and debit advices are not retrieved and not reported as booked they are kept available for the next transmission on UBS KeyDirect until the booking date Accrued credit debit advices can be retrieved separately with the BD26 and BD27 functions UBS KeyDirect user manual Page 11 of 31 2 6 BD31 function UBS BESR notifications UBS enables its clients to retrieve incoming BESR notifications electronically via UBS KeyDirect and incorporate them into their accounting system with UBS BESR via UBS KeyDirect The formats supported by UBS KeyDirect and the requirements for proper use are described in the document entitled UBS BESR handbook The file with the UBS BESR payment details can be retrieved with the BD31 function The following must be taken into account e Periodicity The acknowledgment of the incoming amounts occurs once a day e Booking The incoming payments are credited daily to the credit account e Data provision The UBS BESR payment notification data is available for retrieval the day after it is received e Post production Data media that have already been retrieved can be ordered again and retrieved from UBS within 45 days after provision After this period subsequent delivery is possible for a maximum of 6 months subject to a fee and regardless of whether the file was already retrieved once or not UBS KeyDirect user manual Page 12 of 31 3 Electronic doc
17. ery individual client which is noted on the declaration regarding the connection to UBS KeyDirect and each corresponding account sheet The key CD is used by the customer internally to establish a software based rule for the authorized use of UBS KeyDirect The key CD must be stored in a safe place and the CRT key and password it contains kept confidential and protected against unauthorized use The private key together with the public key is used to generate what are known as digital signatures The client must save his her private key on trustworthy hardware e g chip card in such a way that the key never leaves the medium In addition access to the saved private key must be protected with a separate password The assignment of the appropriate public key to the client is confirmed by a certificate issued by a certification body recognized by UBS The entire process is called a digital authentication mechanism which can be used instead of entering a password vis a vis UBS 11 2 KeyDirect EBICS In order to ensure secure communication with UBS the UBS client uses his her key pairs private and public keys and the public UBS bank key for the EBICS process Before the UBS client can use EBICS he she has to make sure that the public bank key used is correct The valid public bank key hash value can be queried any time at www ubs com keydirect or by calling the hotline In addition the UBS client must send both public parts of his her own k
18. est This function makes it possible to carry out a simple communication and connection check Any file can be used for this test A delivered file is returned directly without changes UBS KeyDirect user manual Page 21 of 31 8 UN EDIFACT 8 1 Debit advices Collective debit advices can be used in UN EDIFACT based on the Message Implementation Guidelines MIG and the guidelines of the Corporate Reference Group CRG Function Advice DEBMUL D96 A Collective debit advice The Message Implementation Guidelines MIG can be found on the home page of SIX Payment Services at www sic ch For detailed information on the guidelines of the Corporate Reference Group CRG please contact the UBS KeyDirect hotline 8 2 Credit advices Individual credit advices can be used in UN EDIFACT based on the Message Implementation Guidelines MIG and the guidelines of the Corporate Reference Group CRG Function Advice CREEXT D91 2 Individual credit advice The Message Implementation Guidelines MIG can be found on the home page of SIX Payment Services at www sic ch For detailed information on the guidelines of the Corporate Reference Group CRG please contact the UBS KeyDirect hotline UBS KeyDirect user manual Page 22 of 31 8 3 Account balances and account transactions 8 3 1 FINSTA intraday function The FINSTA intraday information is based on the SWIFT message MT942 Interim Transaction Report This function is used to delive
19. ey pairs as a hash value in a signed initialization letter letter to activate the keys to UBS UBS transmits the hash values to the UBS systems This activates the connection via EBICS for the respective KeyDirect ID These key pairs of the UBS client are used to generate and verify digital signatures and to encrypt and decrypt client data The UBS client must save his her private keys on a trustworthy hardware medium e g chip card in order to ensure that the key never leaves the medium In addition access to the saved private keys must be protected with a separate password If the UBS client uses key pairs that are not generated or stored on hardware approved by UBS the client shall bear sole responsibility for any possible resulting direct or indirect damage In exceptional cases when hardware not approved by UBS is used UBS shall only allows connections from a fixed IP address specified by the client The KeyDirect ID is a fixed serial number assigned to each individual client which is noted on the declaration regarding the connection to UBS KeyDirect and every corresponding account sheet The client must ensure that the saved keys are stored in a safe place kept confidential and protected against unauthorized use UBS does not distinguish between transport signature signature of person authorized to transfer payment orders to UBS and approval signature signature of person authorized to approve payment orders transmitted by UBS Payment
20. files delivered by a UBS EBICS user are therefore immediately deemed as approved In this case there is no need to wait for an approval signature Exception DTA with paper based confirmation UBS KeyDirect user manual Page 28 of 31 11 3 Identification Every person who either identifies himself either i with a KeyDirect ID and the correct password or ii with a KeyDirect ID and a digital authentication mechanism self identification is deemed authorized vis a vis UBS regardless of whether this person is actually authorized by the UBS client If a proper identification check has been performed UBS is deemed responsible for executing the orders received via UBS KeyDirect and complying with the instructions and messages such orders instructions and messages are deemed to have been drawn up by the UBS client UBS has thus properly fulfilled its obligations if it carries out the incoming orders instructions and messages as part of the business relationship If payment orders are issued to UBS via UBS KeyDirect UBS is authorized to reject individual payment orders at its own discretion if there are insufficient funds or the order exceeds an agreed credit limit 11 4 IP address Clients can store a fixed IP address on the UBS KeyDirect server The connection can then only be established to this fixed IP address 11 5 Risks The identification agreement means that the UBS client bears the risks arising from changes made to his her I
21. for client certificates the CRT key is currently used to identify the UBS KeyDirect client The keys are given to the UBS client by UBS The UBS KeyDirect server is identified to the client by a server certificate based on X 509 The public keys used have 1024 bits 1 5 4 Checksum Every payment order must have a checksum MAC It is calculated separately for every individual order For DTA it is calculated for the entire file The checksum is created with DES as a block cipher in accordance with ISO IEC X9 9 UBS KeyDirect user manual Page 8 of 31 2 Account information BD 2 1 Scope The Account information function group enables UBS clients to retrieve account information electronically in SWIFT format and UBS BESR notifications by means of file transfers The following information can be retrieved from UBS and other domestic and foreign banks Account statement Is provided by around 8 a m the morning after end of day processing and relates to the previous day Booked pending transactions Are provided by around 8 a m the morning after end of day processing and relate to the previous day Intraday transactions Are provided throughout the day from the payment transactions of UBS triggered by specific events and are deemed pending until shown in the account statement 2 2 Functions The following functions are available to retrieve account information in SWIFT format Functions Description BD16 Notification of intrad
22. if the balance has not changed since the previous day for accounts with UBS e In addition to the balances the account transactions booked in end of day processing are also supplied This means that transactions that were reported up to this point in BD16 or BD25 and are now booked appear here again but are no longer listed in the other two functions e The data is provided once a day in the morning at 8 a m e Information from other banks can also be transmitted The times at which this information is provided and its content must be clarified with the respective third party bank on a case by case basis e Messages that were not retrieved are added to the file for a maximum of 45 days and continue to be available 2 5 BD25 function Accrued credit debit advices MT942 Triggered by specific events UBS KeyDirect is supplied with information by the Payments Application VG This information is updated on UBS KeyDirect on an ongoing basis and made available to you for transmission The following principles are important e The advices can only be transmitted once for every UBS KeyDirect user This means that there is no function to query notes at a later point in time e If you select the Advices function several times during the day the current transactions since the last transmission are supplied e The credit and debit advices are reorganized daily When a transaction is reported as booked BD21 function it is deleted from th
23. in ISO 20022 format without paper based confirmation PNO2 ISO 20022 feedback log file PNO8 Deliveries of SEPA direct debit files in ISO 20022 format UBS KeyDirect user manual Page 25 of 31 9 3 ISO 20022 Reporting 9 3 1 Information types The ISO 20022 reporting service via UBS KeyDirect enables UBS clients to retrieve account information from UBS via UBS KeyDirect This service can be used to retrieve information from UBS offices and other domestic and foreign banks The time the respective data of UBS offices or third party banks is available must be agreed with the respective financial entity on a case by case basis 9 3 2 Information types The following UBS KeyDirect functions are available to retrieve account information in ISO 20022 format CAMT052 for intraday account statement information The CAMTO52 message corresponds to the previous MT941 942 message MT941 used to contain and still does the balance report and the intraday transactions This includes the debits and credits of the respective accounts The CAMTO52 message also contains details of the individual transactions in the accounts The CAMT052 intraday transaction report can be retrieved within 24 hours either always or only when a transaction occurs at set times defined by the client shortest periodicity is every 15 minutes CAMT053 account statement information for the previous day The CAMTO53 message corresponds to the previous MT940 and MT 95
24. ission problems or because the connection is terminated the electronic documents remain on the UBS KeyDirect server The order process must be initiated again 3 4 Archiving requirement In order to ensure that electronically transmitted business correspondence has the same validity as physical correspondence it must be archived in compliance with the requirements for storing electronically transmitted data The Swiss Code of Obligations OR the Swiss Business Records Ordinance GeBUV and the Swiss regulations on the handling of electronically transmitted data and information EIDI V are the relevant laws for corporate clients UBS KeyDirect user manual Page 13 of 31 4 Incoming payments LSV BDD DD 4 1 Scope The direct debit system via UBS KeyDirect makes it possible to deliver payments with record type TA875 LSV BDD directly to UBS hereinafter UBS and to retrieve incoming notification files electronically 4 2 Functions The following functions are available for direct debits Functions Description DDO1 Delivery of LSV BDD file with electronic signature DDO2 SIX Interbank Clearing s recapitulation and error list DDO3 Notification of incoming LSV BDD payments 4 3 DDO1 function Delivery inbound of direct debit LSV file with electronic signature The delivered files are checked according to the criteria hash total LSV ID account number and value date The verified files are forwarded individually to SIC AG
25. kings and transactions can be provided for each account in one or more messages once a day Transactions reported with the CREMUL DEBMUL CREADV or DEBADV functions are shown in FINSTA as end of day bookings Messages that are not retrieved are added to the file for a maximum of 45 days and continue to be available UBS KeyDirect user manual Page 23 of 31 8 4 Security messages UBS supports electronic encryption and signatures with the following functions Functions Description AUTACK Electronic signature based on UBS s own certificates PKI KEYMAN Public key and certificate management CIPHER Encryption of payment orders based on X 509 certificates 8 5 Payment orders The following functions are available to transmit payment orders Function Description PAYMUL D 96A Collective order PAYMUL D 96A online Individual payment order express payment Payment orders are executed in accordance with the Message Implementation Guidelines MIG and the guidelines of the Corporate Reference Group CRG The Message Implementation Guidelines MIG can be found on the home page of SIX Payment Services at www sic ch For detailed information on the guidelines of the Corporate Reference Group CRG please contact the UBS KeyDirect hotline 8 6 Status reports The following functions are available to confirm OK NOK transmitted payment orders Function Description CONTRL light Confirmation message receipt CONTRL normal Confirmation
26. r all pending intraday account transactions as follows e Any interval within the 24 hour period may be selected for time of file creation The shortest interval is half an hour files are provided by default at 7 a m 11 a m and 3 p m e There are two ways in which these files are provided o Incremental Default Only the newly accrued bookings are retrieved each time the system is accessed The bookings are only ever available once per file differential margin o AI All available data is downloaded each time the system is accessed This file is filled cumulatively i e the data that has already been loaded is transmitted again total quantity each time the system is accessed e A floor limit default zero can be used to specify that only the information about the amounts that are the same or greater than the limit requested by the client is supplied e It is possible to specify that a file should always be created at the requested time even if no transactions have been executed or that a file should be created only when transactions have been executed default 8 3 2 FINSTA end of day function The FINSTA end of day information is based on the SWIFT message MT940 Customer Statement Message This function reports the booked balance of the previous day the bookings the value date balance of the previous day and the value date series in the future of the advance notification transactions by 8 a m The balances boo
27. rect user manual Page 30 of 31 12 UBS KeyDirect hotline The UBS KeyDirect hotline 0848 807 848 is available to answer any operating questions and clarify all banking problems UBS KeyDirect user manual Page 31 of 31
28. ries and booked transactions in SWIFT format MT940 3a Event based provision of intraday debits and credits in Balances and Details re rere y Li ils Ppa SWIFT format MT942 BD26 Notification of accrued debit advices in SWIFT format MT900 BD27 Notification of accrued credit advices in SWIFT format MT910 BD31 UBS BESR notifications ES ESO1 Retrieval of signed and indexed electronic documents e Statements DDO1 Delivery inbound of direct debit LSV file with DD electronic signature Direct debit DDO2 SIC AG s recapitulation and error list DDO3 Notification of incoming direct debit payments FT51 Individual payment orders in SWIFT format MT 100 FT52 Individual payment orders in SWIFT format MT 101 FT ar r nde rer FT61 DTA payments without electronic signature FT62 DTA payments with electronic signature FT63 DTA log file FX FX22 UBS Quotes FX spot rates Foreign exchange SY01 Info about activated functions SY02 Info about all functions a SY03 Info on available data System functions SY71 BIC BC reference table CH only SY99 Communication test function UBS KeyDirect user manual Page 5 of 31 UN EDIFACT Function Description f DEBADV Debit advices DEBMUL Intraday debits CREADV Credit advices CREEXT Intraday credits CREMUL FINSTA Pending intraday account transactions Account balances and account transactions Account balance incl value date series an
29. smission of DTA files for the fast secure and paperless handling of bulk payments UBS KeyDirect is designed in such a way that different types of payments can be delivered in Swiss francs and in foreign currencies with a single file The exact description of the DTA interface can be found in the DTA Standards and Formats handbook from SIX Payment Services www sic ch UBS provides the following two functions to execute DTA payment orders Payment orders in DTA format with paper based confirmation FT61 When you use the FT61 function you also send a written DTA compensation order to UBS in addition to the DTA file UBS checks the order and releases the submitted DTA file for processing Payment orders in DTA format without paper based confirmation FT62 An electronic signature is supplied in the trailer of the file and checked by UBS with the FT62 function Once this signature has been successfully checked the file is released for processing For each order file that was transmitted with the FT61 and FT62 functions a confirmation message MTO1K incl ACK or NAK and the corresponding error code is sent If not all of the orders transmitted in the order file are confirmed in the MTO1K confirmation message with ACK the unconfirmed orders must be checked and transmitted again if necessary Within one day several DTA files with the same processing date and the same DTA order issuer ID can be processed for each DTA sender ID DTA or
30. try standards makes it possible to flexibly connect to different client systems There are six different function groups and UN EDIFACT 8 ISO20022 available Every user needs to be authorized for all of the functions with which he she would like to work in the UBS KeyDirect database All functions except UN EDIFACT amp ISO20022 are identified by a four letter alias name where the first two letters represent a function group UBS KeyDirect is in operation 24 hours a day 7 days a week At night and on days when the bank is closed access may be negatively affected because data is being reorganized In the event of operating problems the contact point is available to provide clarification during office hours on normal bank working days in Zurich 1 3 Software partners Various software companies have integrated the UBS KeyDirect interface into their software products You can therefore purchase proven solutions with the interface to UBS KeyDirect for electronic data exchange with UBS A list of the software partners can be found online at www ubs com keydirect partner UBS KeyDirect user manual Page 4 of 31 1 4 Function groups incl UN EDIFACT amp ISO20022 The following six function groups and UN EDIFACT amp ISO20022 are available Function groups Alias Description BD16 Pending intraday account transactions in SWIFT format MT942 BD21 Account balance incl value date se
31. uments ES The ESO1 function Order e documents allows for documents to be retrieved in electronic form PDF The e documents have the same content as the physical bank documents are digitally signed and have index data known as metadata This satisfies the prerequisites for legally compliant archiving They completely replace today s physical bank documents 3 1 Character attributes Electronic documents are official documents When the switch is made to e documents paper based documents can therefore be discontinued e documents that have been retrieved once before are deemed as being delivered and can only be provided again in exceptional cases within 45 days or a max of 1 time via KeyDirect 3 2 Ordering requirement Once the e documents are available to order on the KeyDirect server they are deemed delivered It is the client s responsibility to ensure fast and regular access As so much data is produced e documents are stored on the UBS KeyDirect server for a maximum of 45 days They are subsequently deleted 3 3 ES01 function Ordering e documents This function can be used to retrieve e documents that are available to order The order process is always initiated by the client who is either the end client or an external archive provider All e documents are ordered uniformly by means of the ESO1 function No distinction is made between the various document groups types If data transmission fails as a result of transm
32. utecuvsencucecedocucvssuevevececesuiucusectcsessncvansvexsttncvencues 20 System f nctions SV rara 21 Function SY01 Info about activated functions 21 Function SYO2 Info about all functions iii 21 Function s103 Info OM available data ceso lt es ed ig de Big Bee es Bs es eats 21 Function SY71 BIC BC reference table iii 21 Function SY99 Communication test 21 UNE DIFA GT i ccciacocrcsvasocecavsccuecaescouastuavouncseeeaucussavacuccaesdosecsesuovacsuavevddueisy induc vesvobcevedvabdutecwanuucs 22 Debit AAVICOS 2 202 sue sce serieusis A is Unt athe ge es a ls a es a a 22 E EE E E E E E A TA ee ee eee eee ee eee 22 Account balances and account transactions 23 FINSTA Intraday TUNCHON lee te ali a de lates antenne 23 FINSTA end of day function coa a e e lloc decretado 23 S c rity MOS ii A AAA 24 Payment A E ato any EEEE AS eaves Ma tinat ade 24 SLALUS T DORS tee co eee ote ee eee eee er ee 24 150 20022 TE 25 A mae Maiden ns 25 ISO 20022 Transmission of collective orders 25 PayMentty esis icin cesar RE rate a ieee ee 25 PAN MECA CON e a UC nes 25 SO ZO002 2 ARO ti ea en sen es em ni a er ct t 26 Information ES A A A ee ee aai 26 ss A CA NN TA TNR R ss ts 26 Supply Chain Solutions SCS sisczssacecesscecasececscccesscccesscccescctcasoccenctecsscccssscocesccecs scussacvceasassetes 27 COPA TR en nn en ee ni E aah ee 27 ON AG LS EE O te 27 AA nn
33. vendor for a detailed description of the necessary software settings 1 4 Exchanging information Files are used for the exchange of data The data must be supplied in accordance with the SWIFT UN EDIFACT or other conventional interbank standard Depending on the reciprocal agreements and the communication channels in use the data is encrypted either by the client or by UBS KeyDirect Every transfer with UBS KeyDirect must be initiated by the client s system This means that the client s system retrieves the data files from UBS or sends it to UBS via UBS KeyDirect The data is deemed successfully transmitted when receipt has been confirmed by UBS with a confirmation file This file contains e A positive confirmation ACK or a negative confirmation NAK with an error code for every order For DTA confirmation is provided for the entire file e The data requested or an error message with an error code for every query UBS KeyDirect user manual Page 7 of 31 1 5 Security mechanisms 1 5 1 Protocol encryption The protocol for communication relies on a secure TCP IP connection with SSL It is made available to software manufacturers by UBS The SSL protocol automatically encrypts the data using an IDEA128 bit algorithm The entire dialog between UBS and its clients is also encrypted 1 5 2 Data compression Data is compressed automatically 1 5 3 Certificates Because UBS has not yet officially recognized a standard
34. y inbound of direct debit LSV file with electronic signature 14 DDO2 function SIC AG s recapitulation and error list 14 DDO3 function Notification of incoming direct debit payments 14 Payment la ecccsccceesvecsecsvessncevseccovscvesssseensastessteresnsessseerdsenscretsssascetevsscacesucvavsdeusveneves 15 510 MR RE Re Res ee Bete stylet eee E EE ee 15 A ee ne eae Saeed eed NN ER 15 Expense options SWIFT payments ccceccccecceceeeeeeeeeeeeeeeeceeeeseeecseeeesiseeettesetieeesteeesseeeees 15 Fi ld 23 SWIFT pa ment MIO 535 2 20868 2208 an na ANR is da 16 Field 72 SWIET payments MT TOO dns da des ap due Hi don Py iy ag dr We Do eee 16 Function FT51 Single payments in SWIFT MT100 aan nette antenne 17 Function FT52 Single payment orders in SWIFT MT101 17 Functions FT61 amp FT62 DTA payments nta 17 SCOPE e e a AAT Meh a ate Ranh A a ms ne 17 Booking and notification crersnetusnnttietnitnnitennineeetsnseeniiss 18 UBS KeyDirect user manual Page 2 of 31 5 8 3 5 9 7 1 7 2 7 3 7 4 7 5 8 1 8 2 8 3 8 3 1 8 3 2 8 4 8 5 8 6 9 1 9 2 9 2 1 9 2 2 9 3 9 3 1 9 3 2 10 10 1 10 2 10 3 11 11 1 11 2 11 3 11 4 11 5 11 6 11 7 11 8 12 Tm nto en e o E A A A 18 ao A onnnhn hse actin EA a Me nai 19 Exchange rates EX icc cccstcccscvccaccevescvcesnseoececs
35. yDirect user manual Page 29 of 31 11 6 Legal disclaimers restrictions The UBS client is aware that UBS is compelled to publish information electronically and attach legal disclaimers and restrictions to individual services due to market internationalization and globalization They are legally binding for the client with due notification If the client does not wish to accept them he she must dispense with the information services in question immediately The complete wording of disclaimers and restrictions can be obtained or accessed at any time from UBS 11 7 Blocking The UBS client may have access to the UBS KeyDirect services provided by UBS blocked If the keys used by the UBS client or the passwords are at risk the UBS client is obligated to immediately revoke the respective certificate from the issuing certification body He she then has to report the incident to UBS immediately 118 Rules With respect to the use of UBS KeyDirect there is no authorization rule that needs to be checked on the client side by UBS because UBS does not need to identify the individual user but rather the means of identification assigned to the UBS client KeyDirect ID with password certified or non certified private key or banking key and encryption key Accordingly it is the sole responsibility of the UBS client to establish an internal software based authorization rule for the users of UBS KeyDirect using the key CD provided to him UBS KeyDi
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