This specification describes the ofc data format and details how Microsoft ® Money uses ofc for online home banking and online bill payment features
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Open Financial Connectivity (OFC) and Microsoft® Money This specification describes the OFC data format and details how Microsoft ® Money uses OFC for online home banking and online bill payment features. Microsoft hereby grants to any party a royalty-free, worldwide, perpetual license to use the Open Financial Connectivity and Microsoft® Money Specification to make, use, and sell products and services that conform to this Specification. Version 1.0.6 September 4, 1996 M
Introduction 3 Audience 3 Document Overview 3 Related Documentation 4 Microsoft Money and OFC 5 Chapter overview 5 HTTP 5 HTTP POST 5 HTTP response 6 Connectivity options 6 Internet 6 Private dial-up connection 7 Mode of operation 8 Batch mode 8 File import mode 8 Timeout values 8 Security 9 Chapter overview 9 Possible risks 9 Microsoft Money solutions 9 Secure communication protocols 10 PCT and SSL 10 Communicating over a private network 10 OFC User ID and Password 11 Implementing security 11
Chapter overview 12 Identifying a financial institution 12 Defining information for the Branding Server 12 Setting Up for Online Services with Microsoft Money 14 Chapter overview 14 Setting up for online services with Money 14
Chapter overview 16 Paying a bill in Microsoft Money 16 Entering an electronic payment 16 Validating the payment 16 Days-to-pay value 17 Withdrawal date value 18 Payee add behavior 18 Inquiring about a payment 18 Canceling a payment 18 Online Banking with Microsoft Money and OFC 19 Chapter overview 19 Updating account information 19 Matching downloaded transactions 19 Transferring funds 19 Email 20
Microsoft Money, OFC and Crash Recovery 21 Chapter overview 21 DTCLIENT and Money crash recovery behavior 21 Server crash recovery behavior 22 Using the SESSKEY element to track sessions 22
Chapter overview 23 Introduction to the OFC format 23 Syntax 23 Structure 23 Order of records (batch mode) 23 Identifiers 24 Element lengths 24 Unsolicited responses 25 Server defined error messages 25 Illegal characters 25 Record structure with error responses 25 OFC Aggregates and Elements 26 Account Account type Action Amount Date and time Online services Payee
Statement transactions Status Transaction type OFC Signon Request Signon Response Account Records 36 Account request Account response Mail request Mail response Statement request Statement response Intrabank Transfer request Intrabank Transfer response Interbank Transfer request Interbank Transfer response Payee request 46 Payee response 48 Payment request 49 Payment response 50 Payment inquiry request 52 Payment inquiry response 53 File Import Records 54 Account statement Standard Industrial Code support 55 Introduction Open Financial Connectivity (OFC) is a data format designed to represent financial transactions exchanged between client and server. The OFC format was designed to accommodate the requirements of a variety of banking and bill payment systems, both domestic and international. The Microsoft Money 5.0 will support the OFC data format for its online home banking and online bill payment features. AudienceThis document is intended for use by banks and solution providers who are evaluating or implementing a home banking server solution using OFC and Microsoft Money. Document OverviewThis specification details the OFC data format and how the next release of Microsoft Money will use OFC. Following the introduction, this specification is divided into the following sections: Chapter 1, Microsoft Money and OFC This explains how Microsoft Money will utilize the OFC data format for online home banking and online bill payment services. Chapter 2, Security This explains how Microsoft Money will secure transactions sent from client to server. Chapter 3, Microsoft Money and the Branding Server This explains the functionality of the Branding Server and how Microsoft Money utilizes it. Chapter 4, Setting Up for Online Services with Microsoft Money This explains the process a user must go through to set up Microsoft Money for use with online services. Chapter 5, Online Bill Payment with Microsoft Money and OFC This explains how Microsoft Money uses features of OFC for its online bill payment functionality. Chapter 6, Online Banking with Microsoft Money and OFC This explains how Microsoft Money uses features of OFC for its online banking functionality. Chapter 7, Microsoft Money, OFC and Crash Recovery This explains how Microsoft Money uses features in OFC to recover from communication and system errors. Chapter 8, OFC Data Format Details This chapter provides more explanation of the OFC data format and introduces how Microsoft Money takes advantage of it. Chapter 9, OFC Aggregates and Elements This explains each aggregate and element in the OFC data format. Chapter 10, OFC and Signon Records This explains the OFC record and the Signon request and response. Chapter 11, Account Records This explains the Account request and response records. Chapter 12, Mail Records This explains the Mail request and response records. Chapter 13, Online Banking Records This explains the records associated with online banking: Statement request and response, Interbank transfer request and response, Interbank transfer request and response Chapter 14, Online Bill Payment Records This explains the records associated with online bill payment: Payee request and response, Payment request and response, Payment inquiry request and response. Chapter 15, File import records This explains the structure for the Account Statement record.
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