This specification describes the ofc data format and details how Microsoft ® Money uses ofc for online home banking and online bill payment features

Statement request

Notes on

0. 
   The ACTION will always be zero (0.)
   
1. 
   On the first call to the server DTSTART will be set to (Current date - 1 month). This will enable a user to download some account history into their Money file on the first call to the server.
   
2. 
   Subsequent calls to the server will use the date of the last session in DTSTART.
   
3. 
   The server should send all transactions posted on or after the date in DTSTART.
   
4. 
   DTEND will be the current date of the client computer.
   

Statement response

Notes on

0. 
   The server should compose a STMTRN aggregate for each transaction in the statement.
   
1. 
   If the server can track the SRVRTID from a bill payment transaction, the server should return the SRVRTID in the statement. Money will use the SRVRTIDs to prevent duplicate transactions in the Account Register.
   
2. 
   FITIDs are used to match previously downloaded transactions with newly downloaded transactions. If two transactions have the same FITID, Money considers them to be the same transaction. If the server includes a FITID, the user will never have duplicate transactions entered in their Account Register.
   
3. 
   CHKNUMs should be included for check transactions. Money uses CHKNUMs to match downloaded transactions with those entered in the Account Register. Money allows CHKNUMs to be up to 8 characters.
   
4. 
   Reference Appendix One for a listing of supported SIC codes. Including a SIC code with a transaction will automatically categorize it in Microsoft Money, saving the user time and effort when reconciling their downloaded statement.
   
5. 
   If a PAYEEID is included, Money will use it to determine a payee for the transaction.
   
6. 
   Either a complete
   aggregate or a can be included. The user will be able to better reconcile their downloaded statement if a
   or is included.
   
7. 
   can include a description of the transaction.
   
8. 
   If the user’s balance is zero, include 0.00 in the LEDGER element.
   
9. 
   If the server has returned multiple NAME elements, Money will display them as “Name, name, name”
   

Notes on credit card statements:

0. 
   Credits should be positive amounts. Credits include payments the user has made to lower their credit card balance.
   
1. 
   Charges should be negative amounts.
   
2. 
   If the user has an outstanding balance on their credit card, the LEDGER should be negative.
   
3. 
   Include a SIC code whenever possible. If a SIC code is included, Money will automatically assign a category to the transaction when the user reconciles their account.
   

If STATUS is 0

0. 
   STATUS of 0 means that the STMTRQ was processed successfully and the server has returned a and possibly transactions.
   
1. 
   CLTID should echo the CLTID sent in the request.
   
2. 
   Include DTSTART and DTEND elements.
   

If STATUS is 1

0. 
   STATUS of 1 means that the STMTRQ was not processed successfully.
   
1. 
   CLTID should echo the CLTID sent in the request.
   

If STATUS is 100

0. 
   STATUS of 100 means that the STMTRQ was not processed successfully and the server has returned an explanation why this is the case in the ERROR.
   
1. 
   Include CLTID element.
   
2. 
   Include the error text in ERROR element.
   

If STATUS is 104

0. 
   STATUS of 104 means that the STMTRQ was not processed successfully because the account referenced in the ACCTFROM aggregate in the STMTRQ was incorrect or not found.
   
1. 
   Include CLTID element.
   

Intrabank Transfer request

Notes on

0. 
   An ACTION of 0 means that the user has entered a funds transfer in Money and sent the transfer request to the server.
   
1. 
   The accounts defined in ACCTFROM and ACCTTO must have been enabled for online banking in Microsoft Money.