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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Account request

The Account request can be used to enable, or change online services for a particular account.

Tag	Description
	Opening tag for the maintenance request
	Closing tag for the MAINTRQ record.

Notes on implementing :

The CLTID is a unique transaction identifier assigned by Money.
The ACCTFROM aggregate will describe the account referenced. ACCTFROM will include BANKID (account number), BRANCHID (in int’l releases of Money), ACCTID (routing number), and ACCTTYPE (type of account.)
The ACTION in the SERVRQST aggregate specifies if the user is attempting to enable or disable online banking and/or online bill payment for the account described in ACCTFROM.
Two SERVRQST aggregates will be included. One will reference the status of Online Banking services for an account and the other will reference the status of Online Bill Payment services for an account.

When implementing the ACCTRQ, follow these instructions:

If ACTION is 0:

An ACTION of 0 means the user has enabled an account for online services in Money that has not been previously enabled.
The SERVRQST aggregate will describe what services the user has enabled for the account referenced in the ACCTFROM aggregate. See the note above about the possibilty of multiple SERVRQST aggregates.

If ACTION is 2:

An ACTION of 2 means the server has already received an ACCTRQ with an ACTION of 0 for the account referenced in ACCTFROM.
An ACTION of 2 entails that the user has changed the SERVICEs defined in the SERVRQST aggregate. This means that a user has enabled or disabled online banking and/or online bill payment for a specific account in Money. See the note above about the possibilty of multiple SERVRQST aggregates.
If the user has disabled online bill payment and/or online banking for an account that has pending transactions or unreconciled statement transactions, Money will alert the user, telling them that disabling the account will prevent the user from inquiring on transactions or reconciling statements.

Account response

The Account response record answers the Account request. The Account response tells the client what online services are available for a particular account.

Tag	Description
	Opening tag for the maintenance response record.
	Closing tag of the maintenance response record.

Notes on implementing :

A SERVAUTH aggregate must be present for each SERVRQST in the ACCTRQ.

If the user has attempted to enable a SERVICE in the ACCTRQ that is not supported by the server, the server should return an unsolicited MAILRS explaining that the SERVICE is not available to the user.Chapter 12

Mail Records

Mail records are used to send messages between the user and their financial institution.

Microsoft Money will allow a user to generate email up to 18 lines long with up to 60 characters per line. Mail from server to Money can be up to 36 lines long, with up to 60 characters per line.

Tags displayed in bold are required by Microsoft Money.

Mail request

The Mail request record includes information describing the type of mail as well as the contents of the message.

Tag	Description
	Opening tag for the maintenance response record.
	Closing tag for maintenance record.

Implementation notes on

If the ACCTFROM aggregate is included, it will contain a BANKID, ACCTID, ACCTTYPE. Int’l releases will also have a BRANCHID.
SERVICE will distinguish mail about online banking from mail about online bill payment.
A element will be generated for each sentence the user types in followed by a carriage return.
Money will include the following elements by default:

To: Customer Service
Subject: Subject

The user is able to enter any text in the To: and Subject: fields.

If is 0

The mail is in reference to a particular account that is enabled for online banking.
The ACCTFROM aggregate will be filled in with a description of the account.

If is 1

The mail is in reference to a online bill payment.
The ACCTFROM aggregate will NOT be in the MAILRQ.

Mail response

The Mail response record can contain a message from financial institution to user.

Tag	Description
	Opening tag for the maintenance request record.
	Closing tag of the Maintenance response record.

Notes on

Information included in the MEMO field should be as complete as possible. For instance, if the MAILRS is answering a PAYIQRQ (Payment inquiry), then the MEMO should include the payment’s due date, amount, payee in addition to a description of the status of the payment.
Unsolicited mail responses should contain a STATUS of “4” and a MEMO.
The server should include a MEMO for each line of text that should be followed by a carriage return, line feed.

Chapter 13

Online Banking Records

Online Banking records correspond to the online banking features offered by Microsoft Money. Enabling online banking services for an account will allow the user to download a list of posted transactions and the latest balance for an account. Online banking will also allow the user to make transfers between accounts enabled for online banking at the same bank.

The Interbank Transfer records are for use in international markets who support them. These transactions will not be sent from the North American release of Money.

Tags displayed in bold are required by Microsoft Money.

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