Salaries - Technical manual
Contents
1. e HowdolI add functions change the communication method or change other specifics of the agreement e What does Loner cost 9 4 Questions about files The table shows who to contact if you have questions about sending files to or receiving files from Bankgirot If you have a communication solution connected then contact to Bankgirot Bankgirot see www bankgirot se Service bureau The service bureau Your Internet bank Your bank 10 Contact channels and addresses Contact channels and addresses Bankgirot s Customer Telephone fax and e mail to Customer Service can be found Service at www bankgirot se under Contact Postal address Bankgirot 105 19 Stockholm Website Why not visit our website www bankgirot se where you can find the latest information on our services frequently asked questions and manuals Information classification Open L ner Technical Manual bal IK irot February 2015 Page 17 172. companies Together we create efficient business solutions for all payment needs saving your business both time and money 1 3 What is a bankgiro number A bankgiro number is an address that points to a bank account A bankgiro number can be associated with the bank and account number of your choice When you want to receive payment you simply quote your bankgiro number you never need to provide your bank account details The actual account is always hidden from the payer If you change banks you can keep your bankgiro number and your bankgiro payments will continue to arrive just as before 1 4 What is Loner Loner or Salaries in English is a payments service that your company can use for paying salaries to all bank accounts in Sweden You send your payment initiation when convenient and Bankgirot monitors and makes your salary payments when due Information classification Open L ner Technical Manual v bal ksirot February 2015 Page 4 17 Salaries can only be paid in Swedish kronor The table lists the most important advantages offered by Loner and shows how they benefit the customer Advantage Customer benefit Payment on the right day Interest gains Less administration the company can gather all salary Time savings payments into a single process 2 Terms and definitions This table lists Bankgirot s definitions of the terms associated with the Loner service Term Definitions User manual A manual that describ
3. paper With the Extended Reporting option the company can receive reports other than those included in the standard agreement Page 6 17 bankgirot 3 Anti tampering protection Anti tampering protection is mandatory for all files sent to Bankgirot The entire file must be protected from tampering Two types of anti tampering protection can be used with Bankgirot e Digital signature e Authentication Bankgirot supports two authentication methods e Nexus Sigillet previously SAKDATA e HMAC SHA 256 Note For more information on anti tampering protection see the technical manual Anti tampering protection with authentication available at www bankgirot se 4 Loner in practice 4 1 Standard functions 4 1 1 Loner in practice This table shows how a company uses L ner to pay salaries via Bankgirot Step Description 1 The company sends a file the payment initiation containing payment instructions to Bankgirot Bankgirot monitors the pay day 2 Bankgirot sends a debit initiation for a balance check inquiry to the company s bank on the bank day before pay day 3 Bankgirot compiles payments for Bankgirot s clearing service Bankgirot s clearing service sends settlement instructions to RIX where the money changes banks 4 Bankgirot sends a credit initiation to the payee s bank and reports the event to the company 4 2 Reports from Bankgirot The company receives a report on all events in the L ner service Reporting
4. EK 1234560001234567 TK Date Reserved ProducReserved Currency Customer Bankgiro Reserved written field field code number number field 7 Character encoding standard and data set name 7 1 Character encoding standard Files sent to Bankgirot shall be in ASCII or EBCDIC format depending on the chosen communication method For ASCII files ISO8859 1 Latin 1 is recommended for character representation and lt CRLF gt to indicate line breaks The record length is fixed at 80 characters 7 2 Data set name The data set name is the technical name of all files sent to Bankgirot The data set name includes the customer or service bureau number together with the time and date the file was received by Bankgirot Note The following applies to Other communication method for alternative communication methods please refer to the appropriate communication method manual Example 1 All files sent to Bankgirot must include the communication method in the name The table below shows how to name the files Communication Data set name method Bankgiro Link BFEP IBGLK KONNNNNN DYYMMDD THHMMSS Other communication BFEP IKIKI KONNNNNN DYYMMDD THHMMSS 7 3 Data set name fields This diagram presents the different fields in the data set name Information classification Open L ner Technical Manual bal IK irot February 2015 Page 11 17 Created in sender s communication application Created by Bankgirot BFEP IKIKI KOnnnnnn Daammdd Ba
5. Loner Technical Manual Information classification Open Bankgirocentr len BGC AB 2013 All rights reserved a l Iro ww kgi a w bankgirot se Contents IRAE 120 8 0 UO a SR E EE D EAA EAE ES A 4 iN Moi veio odii sosie a aa a a ead enaa aaa hod aie 4 12 oia de sini ont uM 4 13 Whatisabankgiro namber osos cdd da nca 4 ANR OR NT 4 2 Terms and definitions danse aE eae ii AEE SEE 5 3 Anti tampermg DPOLDOOLIOD sienne ti manette ani aie en 7 4 Lonerin DAC RU T ec 7 ZA Standard function S ee de ne den 7 4 1 1 Lonerin ACTOS ahis eere ere eben Pr om Eb Nain 7 4 2 Reports from Bankgirot en de EE RU E E Ru aud A Cu eR NU cR RA 7 4 3 File transfe ennei i aies 8 S OPUONS seere EE a a rs riens i a dap Eras EER 8 Dub Extended OT UN on 8 5 2 Payments specification with salary details 8 About tls and FOCORIS s in amet pU ERE YES eieiei Eph eap 8 6 1 File and r cord DOSICSU indiennes 8 6 1 1 LEMMING arosine ee eE E EEE aE E Eees oa iais 8 6 1 2 What a De CONS dan nn titi 8 6 1 3 Illustration of a file several remitting bankgiro numbers 9 6 1 4 Illustration of a file one remitting bankgiro number 9 6 1 5 What a section contains saco epo eme eh iesevocsvnuseutvonsie visaseuoliwanseduvatae 10 B L5 Contents of a TO ne den 10 6 1 7 Three D S OL EOCOPQL ausepi TE Dub HR EVER IS DERBI AFER riera REM ARENA RN rH A 10 6 1 8 Illustration of a CON ii s cossasseccsevsevesuvtat
6. TK Transaction code Every record in a file has a transaction code TK Each transaction code starts a new record 6 1 2 What a file contains A file contains information organised in sections and records from several remitting bankgiro numbers with at least one section for each bankgiro number The file contains credit transfers salaries February 2015 Page 8 17 Information classification Open L ner Technical Manual v bal ikeirot Note The file must also contain anti tampering protection in one of the following forms e A digital signature e Batch authentication or e Section authentication Reference For more information on anti tampering protection see chapter 7 6 1 3 Illustration of a file several remitting bankgiro numbers This illustration shows how the file may appear when it contains instructions from several different bankgiro numbers Note The illustration shows both Batch and Section seal Section Mr rr Batch seal Opening record i Payment record at least one Bankgiro number 1 Payment initiation saal record H Section seal Total amount record File i Opening record Payment record Bankgiro number 2 Payment initiation at least one i Seal record i Seaction seal Seal record Batch seal 6 1 4 Illustration of a file one remitting bankgiro number This illustration shows how the file may appear when it contains instructions from one bankgiro number Total amount rec
7. comprises a number of reports that can be received on paper All reports are delivered daily These reports are available as standard e Reconciliation report e Stopped payments in balance check inquiry e Rejected payments February 2015 Page 7 17 Information classification Open L ner Technical Manual v bal ikeirot e Cancellations date amendments 4 3 File transfer The company can choose between several different communication methods for sending the payment initiation to Bankgirot Reference Descriptions of the communication methods are available at www bankgirot se 5 Options 5 1 Extended Reporting With Extended Reporting the payer can enter an agreement for more than the standard reports on payment instructions 5 2 Payments specification with salary details The optional report is Payments specification with salary details Order the report from your bank 6 About files and records 6 1 File and record basics 6 1 1 Definitions The table defines some of the most common terms used in the following chapters Term Definition Section A part of a file that contains credit transfers salaries from a remitting bankgiro number Note All sections must include an opening record and a total amount record Files One or more instructions sent to Bankgirot in electronic format Record Part of a file or section with specific information on instructions sent to Bankgirot Each record has an individual transaction code
8. csssccessessessseaseess 17 10 Contact channels and addresses eese eene nnne ener nenne 17 Information classification Open L ner Technical Manual bal IK irot February 2015 Page 3 17 1 Introduction 1 1 This document This is the technical manual for L ner or Salaries in English The document includes detailed information about L ner and is aimed at readers who will e Make a decision on whether to use Loner e Adapt the company s procedures to be able to use Loner 1 2 What is Bankgirot Bankgirot is a European clearing house tasked with delivering market leading solutions in the payments area that increase customers competitiveness As the only clearing house for mass payments in Sweden Bankgirot has a central role in the Swedish payments infrastructure and processes the great majority of these types of payments The bankgiro system is e An open system for both payers and payees e The link between payers and payees All payment institutions operating in Sweden can sign an agreement to participate in the bankgiro system Bankgirot processes payments and information about incoming and outgoing payments for all parties Regardless of your bank connection e Asa payee you can receive payments from all payers e Asa payer you can reach all payees Within the framework of the bankgiro system Bankgirot has established collaborations with several of the largest business accounting and communication software
9. cvndssannvedrcarcavmmrarsemaereiiecaoessaevssvosineds 10 7 Character encoding standard and data set name 11 7 1 Character encoding And ae dsaz cs piii aii anta Ich As uiuo 11 7 2 Data set S 186 gt eunueUUDOSQNO RR Iam der eee 11 7 3 Jta set Aer rente din 11 7 4 Data set name in customer test 12 7 55 AONE CTI ne tnt a ee iles et HU SUE E 12 8 Record and file descriptions files to Bankgirot 13 DIL UMMA Y nn in side UNI INI lle a Rite ten SEE RO DEC dE OE 13 8 1 1 DehnionsofabbreviallOns susce eixxi dps tabedcvoabonsdeunveadenesaandolienusoennnean 13 8 1 2 Mandatory FCO oce tn n tive or riae enia rb icri bez veri a 13 MR Pale WeSC ans TNR T Mani eme 13 Information classification Open L ner Technical Manual February 2015 Page 2 17 bankgirot 8 14 Internal order of the records eese ennemi 14 8 15 Opening record TRO T sisi 14 8 1 6 Payment record TR sans NEN PER NOEB UR UN REFERO 15 8 1 7 Total amount record TKO9 sesseeseeeeeeessessessssesssesreesesssssseseseessssssesereessssssese 16 9 Who should you contact if you have any questions 16 9 Ts Different Conta S a DE UTR T DIT S 16 9 2 Questions on business and communication systems 16 9 3 Questions about prices and agreements essei 17 9 4 Questions about FILES ec eeseseescccccessesssssscccsccesssssssssecsssccesessssssse
10. e record descriptions Abbreviation Definition A Alphanumeric content N Numeric content TK Transaction code 8 1 2 Mandatory records These records must be included in the payment initiation e Opening record TKO1 e Payment instruction record TK35 e Total amount record TKO9 8 1 3 File description The table shows e All available records and their transaction codes TK e Internal order of the records Record Payment TK Type of record Optional method characters Introduction Opening record 01 Conditional Transfer to account number Payment record 35 Conditional 59 80 Total amount record 09 Conditional Record description Salary payment TK01 TK35 and TK09 February 2015 Page 13 17 Information classification Open L ner Technical Manual v bal ksirot 8 1 4 Internal order of the records The table shows the order in which the initial records are sent to Bankgirot Record TK Type of record Opening record 01 Conditional Payment record 35 Total amount record 09 8 1 5 Opening record TKO1 The opening record TK01 is conditional The table presents the record in detail Character Contents Valid values Comment No of Storage chars format 1 2 Transaction code 01 2 N 3 8 Sender s creation YYMMDD 6 N date The date the sender s payment file was created 9 10 Reserved field Blank 2 A 11 13 Product L N 3 A 14 59 Reserved field Blank 46 A 60 62 Currency code e SEK 3 A e Blank 63 68 Sender s customer e Unhyp
11. es a service how it is used and how a company adapts its procedures to use the service Bank day All days except Saturdays Sundays Epiphany Good Friday Easter Monday First of May Ascension Day Sweden s National Day Midsummer Eve Christmas Eve Christmas Day Boxing Day New Year s Eve and New Year s Day all according to the Swedish calendar as well as any other days currently stipulated by the Swedish Act 1989 253 on Public Holidays Bankgiro Link Bankgirot s communication product Bankgiro Link includes Secure communication solution with authorisation based on PKI and certificates File transfer over the Internet Transfer of payment instructions to Bankgirot Transfer of reports from Bankgirot Electronic mandate control for some banks Payment initiation The file the company sends to Bankgirot containing the payments to be made Payment instructions The payments Bankgirot accepts and processes Information classification Open L ner Technical Manual v bal ksirot February 2015 Page 5 17 Term Debit initiation Electronic payment order ELU Anti tampering protection Communication method Credit initiation Customer number Customer test Record Technical manual Transaction code Reporting Information classification Open L ner Technical Manual February 2015 Definitions A file based on the payment instructions sent to the payer s bank for withdrawals debits from the payer
12. henated 6 N as e Right aligned e Zero filled 69 78 Sender s bankgiro e Unhyphenated 10 N number e Right aligned e Zero filled 79 80 Reserved field Blank 2 A Information classification Open L ner Technical Manual bal IK irot February 2015 Page 14 17 8 1 6 Payment record TK35 The payment record TK35 is conditional The table presents the record in detail Character Contents Valid values Comment No of Storage chars format 1 2 Transaction code 35 2 N 3 8 Salary pay day YYMMDD 6 N 9 12 Reserved field Blank 4 A 13 28 Payee s account e Unhyphenated 16 number e Right aligned e Zero filled Characters 13 16 are the clearing number the other characters are the bank account number 29 40 Amount e Right aligned 12 N e Zero filled e Swedish kronor and ore 00 for whole kronor Note May not contain negative numbers commas hyphens or full stops 41 58 Reserved field Blank 18 A 59 68 Employment Civic number employment number or 10 N details similar e Right aligned e Zero filled or e Blank 69 80 Payment e Information that enables the payee to 12 A identification identify the payment Printed on the payee s bank statement Information classification Open L ner Technical Manual bal IK irot February 2015 Page 15 17 8 1 7 Total amount record TK09 Character Contents Valid values Comment No of Storage chars format 1 2 Transaction code 09 2 N 3 8 Sender s creation date YYMMDD 6 N The date the sender
13. nkgirots T Time received file reception Customer number or Service bureau number Product D Date received file to Bankgirot or U file from Bankgirot 7 4 Data set name in customer test The remitting party can send a test to Bankgirot to confirm that the format fully complies with the specified layout and authentication check The customer creates a test file with the correct customer details such as the actual bankgiro number in the payment software and all account numbers Sample files There are sample files for tests at www bankgirot se under Services Outgoing payments Salaries Select Sample files in the menu on the right For tests the product name in the data set name varies depending on the communication method The table lists the product names for the different communication methods Communication Product name method Bankgiro Link IBGZK Other communication IKIZZ or IZZZZ Reference For more information on testing anti tampering protection with authentication see Anti tampering protection with authentication at www bankgirot se 7 5 Monitoring period Bankgirot monitors credit transfers salaries for the current year and the two Information classification Open L ner Technical Manual v bal ksirot February 2015 Page 12 17 following years 8 Record and file descriptions files to Bankgirot 8 1 Summary 8 1 1 Definitions of abbreviations This table lists the abbreviations used in th
14. ord Information classification Open ka L ner Technical Manual b bal i keirot February 2015 Page 9 17 Section Opening record Payment record at least one Seal record Section seal Total amount record Seal record Batch seal File Payment initiation Seal record Batch seal 6 1 5 What a section contains Each section can only reference one remitting bankgiro number and must contain at least one payment instruction Note Sections may not be empty that is lack records 6 1 6 Contents of a record A record must contain e A unique transaction code TK indicating which type of information the record contains 6 1 7 Three types of record The records in a file can be divided into three different types Type of record Description Must be included in a file Conditional Mandatory when a particular payment method is used or in cancellations and date amendments otherwise not included Optional Can be included in the file when the sender deems it necessary and the record is available 6 1 8 Illustration of a record The records have a conventional 80 character layout split into fields with different content This is an illustration of a record opening record in a payment instruction The grey fields correspond to 46 and 2 blank characters respectively Information classification Open L ner Technical Manual bal IK irot February 2015 Page 10 17 01 AAMMDD LON S
15. s bank account An electronic payment order that assigns Bankgirot the task of executing the payment instructions sent in a payment initiation It must be sent to Bankgirot at the same time as the payment initiation Note Only applies to certain banks For security reasons all files containing payment instructions that are sent to Bankgirot must be provided with electronic anti tampering protection The method a company uses to send files to and retrieve files from Bankgirot A file based on the payment instructions sent to the payee s bank for deposits credits to the payee s bank account A customer number at Bankgirot used as the address for file deliveries The customer number can be linked to one or more bankgiro numbers A customer number is always linked to a service Conducted to verify that the information in the files complies with the specified layout Customer testing is not mandatory Part of a file or section with specific information on instructions sent to Bankgirot Each record has an individual transaction code TK A manual with record and file descriptions Mainly aimed at software companies and companies that develop proprietary software Every record in a file has a transaction code TK In Loner for example a payment has the transaction code TK35 All companies receive reports on executed unexecuted and monitored salary payments Reporting comprises a number of reports that can only be received on
16. s payment file was created 9 28 Reserved field Blank 20 A 29 40 Total amount e Right aligned 12 e Zero filled Total amount per section the sum of all TK35s Note Rounding off is not allowed 41 46 Number of payment e Right aligned 6 N oe e Zero filled Total number per section of all TK35s 47 80 Reserved field Zero filled 34 N 9 Who should you contact if you have any questions 9 1 Different contacts Your company signs an agreement with your bank to gain access to the L ner service and the payments are managed using a business or accounting system with functionality determined by the software company Here you can get help deciding who to contact with any questions you may have 9 2 Questions on business and communication systems Contact the software company if you have questions about business and communication systems Example questions e Does my accounting business or communication system support Loner e How does automatic reconciliation work in my system February 2015 Page 16 17 Information classification Open L ner Technical Manual v bal ksirot Reference If you would like information about the different software companies and whether they support a particular product you can search for such information at www bankgirot se 9 3 Questions about prices and agreements Contact your bank if you have questions about prices and agreements Example questions e Howdo I register for and start using Loner
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