Open Financial Exchange Specification © 1996-97 by its publishers: CheckFree Corp., Intuit Inc., and Microsoft Corporation. All rights reserved.
THIS OPEN FINANCIAL EXCHANGE SPECIFICATION IS MADE AVAILABLE "AS IS" WITHOUT WARRANTY OF ANY KIND. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, MICROSOFT, INTUIT AND CHECKFREE ("PUBLISHERS") FURTHER DISCLAIM ALL WARRANTIES, INCLUDING WITHOUT LIMITATION ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NONINFRINGEMENT, ALL OF WHICH ARE HEREBY DISCLAIMED. THE ENTIRE RISK ARISING OUT OF THE USE OF THIS SPECIFICATION REMAINS WITH RECIPIENT. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL THE PUBLISHERS OF THIS SPECIFICATION BE LIABLE FOR ANY CONSEQUENTIAL, INCIDENTAL, DIRECT, INDIRECT, SPECIAL, PUNITIVE, OR OTHER DAMAGES WHATSOEVER (INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF BUSINESS PROFITS, BUSINESS INTERRUPTION, LOSS OF BUSINESS INFORMATION, OR OTHER PECUNIARY LOSS) ARISING OUT OF ANY USE TO WHICH THIS SPECIFICATION IS PUT, EVEN IF THE PUBLISHERS HEREOF HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
1. Overview 5
1.1 Introduction 5
1.1.1 Design Principles 5
1.2 Open Financial Exchange at a Glance 6
1.2.1 Data Transport 6
1.2.2 Request and Response Model 7
1.3 Conventions 8
2. Structure 10
2.1 HTTP Headers 10
2.2 Open Financial Exchange Headers 10
2.3 SGML Details 11
2.3.1 Compliance 11
2.3.2 Valid SGML Characters 11
2.3.3 Comments Not Supported 11
2.4 Open Financial Exchange SGML Structure 12
2.4.1 Overview 12
2.4.2 Case Sensitivity 12
2.4.3 Top Level 12
2.4.4 Messages 12
2.4.5 Message Sets and Version Control 13
2.4.6 Transactions 15
2.5 The Signon Message Set 16
2.5.1 Signon 16
2.5.2 USERPASS Change
19
2.5.3 Signon Message Set Profile Information 19
2.5.4 Examples 19
2.6 External Data Support 19
2.7 Extensions to Open Financial Exchange 19
3. Common Aggregates, Elements, and Data Types 20
3.1 Common Aggregates 20
3.1.1 Identification of Financial Institutions and Accounts 20
3.1.2 Format of User-Supplied Numbers 20
3.1.3 Balance Records 20
3.1.4 Error Reporting 21
3.2 Common Elements 22
3.2.1 Financial Institution Transaction ID 22
3.2.2 Server-Assigned ID 22
3.2.3 Client-Assigned Transaction UID 22
3.2.4 Token 22
3.2.5 Transaction Amount 23
3.2.6 Memo 23
3.2.7 Date Start and Date End 23
3.2.8 Common Data Types 24
3.2.9 Amounts, Prices, and Quantities 25
3.2.10 Language 26
3.2.11 Other Basic Data Types 26
4. Open Financial Exchange Security 27
5. International Support 28
6. Data Synchronization 29
7. FI Profile 30
8. Activation & Account Information 31
9. Customer to FI Communication 32
10. Recurring Transactions 33
11. Banking 34
11.1 Consumer and Business Banking 34
11.2 Credit Card Data 34
11.3 Common Banking Aggregates 34
11.3.1 Banking Account 34
11.3.2 Credit Card Account 35
11.3.3 Bank Account Information 35
11.3.4 Credit Card Account Information 35
11.3.5 Transfer Information 35
11.3.6 Transfer Processing Status 35
11.4 Downloading Transactions and Balances 36
11.4.1 Bank Statement Download 36
11.4.2 Credit Card Statement Download 38
11.5 Statement Closing Information 42
11.6 Stop Check 42
11.7 Intrabank Funds Transfer 43
11.8 Interbank Funds Transfer 43
11.9 Wire Funds Transfer 43
11.10 Recurring Funds Transfer 43
11.11 E-Mail and Customer Notification 43
11.12 Data Synchronization for Banking 43
11.13 Message Sets and Profile 43
11.13.1 Message Sets and Messages 44
11.13.2 Bank Message Set Profile 45
11.13.3 Credit Card Message Set Profile 45
11.13.4 Interbank Funds Transfer Message Set Profile 45
11.13.5 Wire Transfer Message Set Profile 45
11.14 Examples 45
11.14.1 Statement Download 45
12. Payments 47
13. Investments 48
13.1 Types of Response Information 48
A. Status Codes 49
B. Change History 50
B.1 OFX 1.0 to 1.0.1 50
B.1.1 Specification Changes by Chapter 50
B.1.2 General Specification Changes 57
B.1.3 DTD Changes 57
B.2 OFX 1.0.1 to 1.0.2 59
B.2.1 Specification Changes by Chapter 59
B.2.2 General Specification Changes 61
B.2.3 DTD Changes 61
C. Errors and Omissions 63