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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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Payee add behavior


The first time a user sends a payment to a payee, Money will send the OFC Payee request record (PAYEERQ) in addition to the OFC Payment request record (PAYMTRQ.) The Payee request record includes details about the payee so it can be added to the bill payment system.

The server will respond with a Payee response record. The bill payment service will assign a identification code to a payee and return it to Money in the


element. If the server has returned a PAYEEID for a payee and the user sends subsequent payments to this payee, Money will send the PAYEEID and not the complete details (street address, city, state, zip code, account number) of the payee.

For more information, reference the
element in the Payee response
and Payment request
records. The Payee response and Payment request are described in the Online Bill Payment Records chapter.

Inquiring about a payment


Using Microsoft Money, users will be able to inquire about the status of a previously sent payment. Inquiries are modeled after email; users can select a particular payment and type a question about it. This email will be sent as an OFC Payment Inquiry request to the server. The OFC Payment Inquiry request will include the payment’s confirmation number (SRVRTID) for easy reference by the bill payment processor.

For more information, reference the MAILRQ,, MAILRS and PAYIQRQ, PAYIQRS records in the Mail Records chapter and the Online Bill Payment records chapter.

Canceling a payment


Money users can sent requests to cancel a payment if the payment has not yet been processed. If today’s date + days-to-pay are less than the due date of the payment, Money will enable user interface that will allow the user to send a request to cancel a payment to the server.

Chapter 6


Online Banking with Microsoft Money and OFC


Online banking is the service where users can download their latest account balance, posted transactions and transfer money between accounts. Online banking also enables the user to send email to their bank.

Chapter overview


  1. Online banking allows users to download statements, latest balances and transfer funds between accounts.

  2. Although some elements are optional in the OFC Statement response, it is suggested that the server include a CHKNUM, FITID and SRVRTID when they are available. Money uses these elements to prevent duplicate transactions in the Account Register. It is strongly suggest that a server include these elements in download bank statements.

  3. Online banking also allows users to send email to their bank.

Updating account information


For each account enabled for online banking, Microsoft Money will request the latest account balance and a list of transactions that have been posted to the account during every session with the server. A user can choose to disable these requests, but Money will enable them by default.

After the user has downloaded their statement, Money will help the user reconcile the statement against transactions they may have already recorded in their Account Register. The next section details how Money reconciles downloaded statements.


Matching downloaded transactions


Money includes an algorithm that will attempt to match transactions that the user has entered in their Money Account Register to those that have been downloaded in STMTRS or ACCTSTMT records. This section describes what elements a server should return to facilitate Money’s matching algorithm.

  1. It is strongly recommended that each transaction have a CHKNUM value. Money will consider two transactions with the same CHKNUMs and amounts as identical transactions.

  2. It is strongly recommended that each transaction have a FITID element. Including these will prevent duplicate transactions from being recorded in Money’s Account Register.

  3. It is recommended that each transaction have a SRVRTID element if the transaction occured as the result of an online bill payment request from Money. Money will consider two transactions with the same SRVRTID to be identical transactions.

  4. If a server does not include CHKNUM, FITID, or SRVRTID there is a high likelihood of duplicate transactions recorded in a user’s Money Account Register. Duplicate transactions will make the user’s balances appear incorrect.

Transferring funds


Users can transfer funds to and from accounts that are enabled for online banking. Both accounts must be at the same bank. Money will not allow future-dated transfers.

Email


Users who have enabled online banking in Microsoft Money will be able to send messages to their bank.

Chapter 7


Microsoft Money, OFC and Crash Recovery


Microsoft Money and a bank’s server communicate in a batch mode model where in a single session, Money will send a request file of OFC records to a server, the server will process this request file and return a response file of OFC records back to Money. During a session with a bank’s server, it is possible that the communication session will terminate prematurely.

Crash Recovery is the behavior built into Microsoft Money to ensure that duplicate transaction requests are not processed by the server and to minimize the amount of user uncertainty when the communication session is interrupted. Money uses the DTCLIENT element in the OFC Signon request record for crash recovery.


Chapter overview


  1. Crash recovery is designed to prevent transactions from being processed twice.

  2. Crash recovery means the behavior Money exhibits when a session with a server is not completed successfully due to a communication problem or server error.

  3. The server should use the DTCLIENT element in the Signon request record to determine if Money is calling in crash recovery mode or not.

  4. If the server receives the same DTCLIENT value that was sent in the previous Signon request, the server should assume Money is calling in crash recovery mode and sending the previous set of transactions again. The server should send the previous response file to Money. The server should not process the transactions in the request file.

  5. If the server receives a new DTCLIENT value in the Signon request, the server should process the transactions in the request file.
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