0.    INTRODUCTION

       This specification provides the definition of the Multiple
       debit advice message (DEBMUL) to be used in Electronic Data
       Interchange (EDI) between trading partners involved in
       administration, commerce and transport.

1.    SCOPE

1.1   Functional Definition

       A DEBMUL message is sent by an Account Servicing Financial
       Institution to the Account Owner or to a third party, which has
       agreed bilaterally in advance, that its account (s) has been or
       will be debited for specified amount (s) on the date (s)
       indicated, in settlement of the referenced business transaction
       (s).

1.2   Field of Application

       The Multiple debit advice message may be used for both national
       and international trade. It is based on universal commercial
       practice and is not dependent on the type of business or
       industry.

1.3   Principles

       - A DEBMUL may cover the financial settlement of one or more
       commercial trade transactions, such as invoices, credit notes,
       debit notes, etc. It is not intended for use in securities
       trading.
       
       - Several debit accounts, value dates, entry dates and
       currencies may be specified.

2.    REFERENCES

       See UNTDID, Part 4, Chapter 2.6 UN/ECE UNSM - General Introduction,
       Section 1.

3.    TERMS AND DEFINITIONS

       See UNTDID, Part 4, Chapter 2.6 UN/ECE UNSM - General Introduction,
       Section 2.

4.    MESSAGE DEFINITION

4.1   Data Segment Clarification

       This section should be read in conjunction with the Branching
       Diagram and the Segment Table which indicate mandatory,
       conditional and repeating requirements.
       
       The following semantic principles apply to the message and are
       intended to facilitate the understanding and implementation of
       the message:
       
       The Multiple Debit Advice message is structured in three
       levels: A, B and C.
       
       - Level A Segment Groups 1,2,3 and 28 contains general data
       related to the whole message.
       
       - Level B Segment groups 4 to 9 is based on the following
       rules:
         Level B contains data which applies to all the dependent C
       levels, such as,
       
         Same area Code:
       When the BUS segment is used, domestic and international items
       should not be mixed in the same sequence of B and C levels.
       
         Same currency and same account:
         The items to be grouped must refer to the same account. The
       currency to be booked must be the same as that of the account.
       
         Same value date:
         The items must have the same value date.
       
         Same entry date:
         The items must be booked on the same day.
       
         Same bank operation code:
         The items must bear the same bank operation code.
       
         Remark: If, for the same receiver, one of these 5 basic
       pieces of information changes, a new level B is required.
       
       - Level C Segment groups 10 to 27 contains the individual
       transactions, which are related to the data stored on level B.
       
       - The structure of the message is designed to allow several B
       and C levels, each level B being followed by one or several C
       levels.
       
       - Where a choice of code or text is given only the code element
       should be used wherever possible.

0010   UNH, Message header
       A service segment starting and uniquely identifying a message.
       The message type code for the Multiple debit advice message is
       DEBMUL.
       
       Note: Multiple debit advice messages conforming to this
       document must contain the following data in segment UNH,
       composite S009:

       Data element  0065 DEBMUL
                     0052 D
                     0054 95A
                     0051 UN

0020   BGM, Beginning of message
       A segment by means of which the sender must uniquely identify
       the DEBMUL message using its type and number and its function.
       It is an information of items advised in advance, of items
       pending to be booked or of items, which have been booked.

0030   DTM, Date/time/period
       A segment specifying the date and, if required, the time the
       message is created.

0040   BUS, Business function
       A segment identifying certain characteristics of the Multiple
       Debit Advice, such as, its business function. In so doing, it
       provides information about the message that may be used to
       route the message within an institution, for tariffing, or for
       the provision of some statistical information.


0050   Segment group 1: RFF-DTM
       A group of segments identifying a previously-sent message.

0060      RFF, Reference
          A segment specifying the reference of the previously-sent
          message.

0070      DTM, Date/time/period
          A segment identifying the creation date of the referenced
          message.


0080   Segment group 2: FII-CTA-COM
       A group of segments identifying the financial institutions
       involved in the multiple debit advice, their function and their
       contacts.

0090      FII, Financial institution information
          A segment identifying the financial institutions associated
          with the transaction, in coded or uncoded form and their
          function.

0100      CTA, Contact information
          A segment identifying a person or a department for the party
          specified in the leading FII segment to whom communication
          should be directed.

0110      COM, Communication contact
          A segment identifying communication type (s) and number (s)
          of person (s) or department (s) specified in the associated
          CTA segment.


0120   Segment group 3: NAD-CTA-COM
       A group of segments identifying the name(s) and address(es) of
       non-financial parties involved in the transaction, their
       function and their contacts.

0130      NAD, Name and address
          A segment identifying the names and addresses of the
          non-financial parties associated  with the multiple debit
          advice, in coded or uncoded form, and their function.

0140      CTA, Contact information
          A segment identifying a person or a department for the party
          specified in the leading NAD segment to whom communication
          should be directed.

0150      COM, Communication contact
          A segment identifying communication type(s) and number (s)
          of person (s) or department (s) specified in the associated
          CTA segment.


0160   Segment group 4: LIN-DTM-BUS-MOA-SG5-SG6-SG7-SG10
       A group of segments containing information details which are
       relevant to all transactions specified.

0170      LIN, Line item
          A segment indicating, by a sequential line number, the
          beginning of the specification of details related to all
          transactions specified.

0180      DTM, Date/time/period
          A segment specifying the entry and/or value date.

0190      BUS, Business function
          A segment identifying certain characteristics of the debits
          stored as individual transactions in level C, such as the
          bank operation, i.e., the method of transferring the funds,
          in order to sort the dependent debits according to their
          category.

0200      MOA, Monetary amount
          A segment specifying the total amount of all debits stored
          as individual transactions in level C and/or the total
          amount of all debits stored in level C plus the total fee
          amount.


0210      Segment group 5: RFF-DTM
          A segment group containing references related to the
          payments, as well as relevant dates.

0220         RFF, Reference
             A segment specifying reference numbers for the payments
             involved in the transaction.

0230         DTM, Date/time/period
             A segment specifying dates relevant to the related
             references.


0240      Segment group 6: FII-CTA-COM
          A group of segments identifying the account that has been or
          will be debited.

0250         FII, Financial institution information
             A segment identifying the financial institutions and
             relevant account number associated with the transaction,
             in coded or uncoded form and their function.

0260         CTA, Contact information
             A segment identifying a person or a department for the
             financial institution specified in the leading FII
             segment to whom communication should be directed.

0270         COM, Communication contact
             A segment identifying communication type(s) and number(s)
             of person(s) or department(s) specified in the associated
             CTA segment.


0280      Segment group 7: FCA-MOA-SG8
          A group of segments providing full details of all charges or
          allowances, and associated taxes, that apply to the total
          amount, together with information as to who bears the
          charges and to which account they have been directed. Where
          charges are subject to taxation this may also be specified.

0290         FCA, Financial charges allocation
             A segment specifying the method for allocation of charges
             and allowances and identifying an account to which such
             charges or allowances were directed where it is different
             from the principal account.

0300         MOA, Monetary amount
             A segment identifying the basis amount from which charges
             are calculated, if different from the total amount.  It
             is also giving the total value of charges and/or
             allowances, and associated taxes.


0310         Segment group 8: ALC-PCD-MOA-CUX-DTM-SG9
             A group of segments providing a detailed breakdown of all
             charges (or allowances) and associated charges (or
             allowances).

0320            ALC, Allowance or charge
                A segment used to provide full details of each charge
                or allowance for which the Payor is liable. Included
                are full details of the method of calculating the
                charge.

0330            PCD, Percentage details
                A segment specifying the percentage used for
                calculating the charges (or allowances).

0340            MOA, Monetary amount
                A segment identifying the amount of charges (or
                allowances) and/or specifying the basis amount from
                which charges (or allowances) may be calculated if
                different from the FCA segment.

0350            CUX, Currencies
                A segment specifying rates related to the charges and
                allowances.

0360            DTM, Date/time/period
                A segment identifying the effective date and/or time
                the rate of exchange was fixed.


0370            Segment group 9: TAX-MOA-CUX-DTM
                A group of segments describing any taxes associated
                with charges and their amount.

0380               TAX, Duty/tax/fee details
                   A segment identifying any taxes related to a
                   specific charge.

0390               MOA, Monetary amount
                   A segment specifying the total amount of the tax
                   and the basis of calculation.

0400               CUX, Currencies
                   A segment specifying exchange rates.

0410               DTM, Date/time/period
                   A segment identifying the effective date and/ or
                   time the rate of exchange was fixed.


0420      Segment group 10:SEQ-DTM-BUS-FII-SG11-SG12-SG13-SG14-SG15-
                            SG16-SG17-SG20
          A segment group providing details regarding the individual
          transactions, such as dates, financial institutions, account
          numbers.

0430         SEQ, Sequence details
             A segment identifying the beginning of the specification
             of individual transactions (C level) by a sequential
             number.

0440         DTM, Date/time/period
             A segment specifying value dates and other dates passed
             on from a preceding payment order.

0450         BUS, Business function
             A segment specifying additional details regarding the
             individual debit, such as its business function.

0460         FII, Financial institution information
             A segment identifying the financial institutions and
             relevant account number associated with the transaction,
             in coded or uncoded form and their function.


0470         Segment group 11:RFF-DTM
             A group of segments containing references of other
             messages and transactions, with relevant date(s)/time(s).

0480            RFF, Reference
                A segment identifying references of other messages or
                transactions related to this transaction.

0490            DTM, Date/time/period
                A segment specifying the date and/or time of the
                referenced messages or transactions.


0500         Segment group 12:PAI-FTX
             A group of segments specifying conditions, guarantees,
             method and channel of payment used.

0510            PAI, Payment instructions
                A segment specifying the conditions, guarantee, method
                and channel of payment used.

0520            FTX, Free text
                A segment providing free form additional information.


0530         Segment group 13:MOA-CUX-DTM-RFF
             A group of segments identifying the monetary amounts and,
             if necessary, the currencies, exchange rate and date for
             the amount of the transaction.

0540            MOA, Monetary amount
                A segment giving the amount of the individual
                transaction.

0550            CUX, Currencies
                A segment identifying the source currency and the
                target currency of the transaction, when they are
                different.

0560            DTM, Date/time/period
                A segment identifying the effective date and/or time
                the rate of exchange was fixed.

0570            RFF, Reference
                A segment identifying other transactions to which
                funds associated with the transaction are related such
                as a separate foreign exchange deal.


0580         Segment group 14:NAD-CTA-COM
             A group of segments identifying the name and address of
             non-financial parties involved in the message, their
             function and their contacts.

0590            NAD, Name and address
                A segment identifying the names and addresses of the
                parties associated with the exchange of the message,
                in coded or uncoded form, and their function.

0600            CTA, Contact information
                A segment identifying a person or a department for the
                party specified in the leading NAD segment and to whom
                communication should be directed.

0610            COM, Communication contact
                A segment identifying a person or a department for the
                party specified in the leading NAD segment and to whom
                communication should be directed.


0620         Segment group 15:INP-FTX-DTM
             A group of segments containing instructions relating to
             parties identified in the NAD and FII segments in Segment
             Group 2 and/or Segment Group 3. It specifies action taken
             or to be taken by the identified parties, and the date
             (and optionally time) by which such action was taken or
             needs to be taken.

0630            INP, Parties to instruction
                A segment identifying the party to enact the
                instruction, the parties contacted or to be contacted
                at or by the associated financial institution on
                matters concerning the execution of the payment. It
                specifies where appropriate the instruction in coded
                form.

0640            FTX, Free text
                A segment providing free text instructions related to
                the associated INP segment.

0650            DTM, Date/time/period
                A segment specifying the earliest and latest dates
                and/or times by which the specified instructions must
                be carried out.


0660         Segment group 16:GIS-MOA-LOC-NAD-RCS-FTX
             A group of segments providing information for subsequent
             use by regulatory authorities requiring statistical and
             other types of data. It also identifies the regulatory
             authority for which the information is intended followed
             by the information itself.

0670            GIS, General indicator
                A segment identifying what processing should be
                completed for regulatory authorities.

0680            MOA, Monetary amount
                A segment giving the amount and the currency of each
                transaction to be reported.

0690            LOC, Place/location identification
                A segment giving the different origins/destinations
                (places) of goods/investment/services.

0700            NAD, Name and address
                A segment identifying the recipient of the associated
                informative text.

0710            RCS, Requirements and conditions
                A segment giving the nature (e.g. goods, transport
                services) and direction of each transaction to be
                recorded in coded form.

0720            FTX, Free text
                A segment giving information, in coded or clear form,
                to provide information relevant to regulatory
                authorities requirements.


0730         Segment group 17:FCA-MOA-SG18
             A group of segments providing full details of all charges
             or allowances, and associated taxes, that apply to a
             particular transaction, together with information as to
             who bears the charges and to which account they have been
             directed. A total value of all charges plus allowances
             may be given for every account to which charges may be
             directed. Where charges are subject to taxation this may
             also be specified.

0740            FCA, Financial charges allocation
                A segment specifying the method for allocation of
                charges and allowances and identifying an account to
                which such charges or allowances were directed where
                it is different from the principal account.

0750            MOA, Monetary amount
                A segment identifying the basis amount from which
                charges are calculated, if different from the overall
                amount of the original order. It also gives the total
                value of charges and/or allowances, and associated
                taxes, that relate to an account for
                charges/allowances.


0760            Segment group 18:ALC-PCD-MOA-CUX-DTM-SG19
                A group of segments providing a detailed breakdown of
                all charges (or allowances) and associated charges (or
                allowances).

0770               ALC, Allowance or charge
                   A segment providing full details of each charge or
                   allowance for which the Payor is liable. Included
                   are full details of the method of calculating the
                   charge.

0780               PCD, Percentage details
                   A segment specifying the percentage used for
                   calculating the charges (or allowances).

0790               MOA, Monetary amount
                   A segment identifying the amount of charges (or
                   allowances) and/or specifying the basis amount from
                   which charges (or allowances) may be calculated if
                   different from the FCA segment.

0800               CUX, Currencies
                   A segment specifying rates related to the charges
                   and allowances.

0810               DTM, Date/time/period
                   A segment identifying the effective date and/or
                   time the rate of exchange was fixed.


0820               Segment group 19:TAX-MOA-CUX-DTM
                   A group of segments describing any taxes associated
                   with charges and their amount.

0830                  TAX, Duty/tax/fee details
                      A segment identifying any taxes related to a
                      specific charge.

0840                  MOA, Monetary amount
                      A segment specifying the total amount of the tax
                      and the basis for calculation.

0850                  CUX, Currencies
                      A segment specifying exchange rates.

0860                  DTM, Date/time/period
                      A segment identifying the effective date and/or
                      time the rate of exchange was fixed.


0870         Segment group 20:PRC-FTX-SG21-SG27
             A group of segments containing the details of payment.
             The content of these segments is passed through the
             banking chain from the Ordering Customer to the
             Beneficiary.

0880            PRC, Process identification
                A segment identifying the kind of process at the
                beneficiary's side.

0890            FTX, Free text
                A segment providing free text information from the
                ordering customer to the beneficiary.


0900            Segment group 21:DOC-MOA-DTM-RFF-NAD-SG22-SG23-SG24
                A group of segments providing details of all
                documents, e.g. invoices, statements, despatch
                advices, etc., to which the Multiple Debit Advice
                refers. It includes information on the monetary
                amounts for each document and on any adjustments (with
                an indication of the reason for adjustments) and
                discounts. For information purposes an indication of
                the tax element can be provided.

0910               DOC, Document/message details
                   A segment identifying the reference document
                   against which payment is being made.

0920               MOA, Monetary amount
                   A segment giving the monetary amounts of each
                   reference document (e.g., original amount, discount
                   amount etc.). The amount due and the amount
                   remitted are mandatory.

0930               DTM, Date/time/period
                   A segment specifying the date of the referenced
                   document and indicating any other relevant dates
                   applicable.

0940               RFF, Reference
                   A segment for the inclusion of any additional
                   references related to the reference document.

0950               NAD, Name and address
                   A segment identifying a party name and address,
                   either by coded identification or in a clear form.


0960               Segment group 22:CUX-DTM
                   A group of segments specifying the currencies and
                   the related dates/periods valid to the referenced
                   document where different to the reference currency.

0970                  CUX, Currencies
                      A segment identifying the currency and
                      associated exchange rate of the referenced
                      document where different to the   remittance
                      currency.

0980                  DTM, Date/time/period
                      A segment specifying the date/time/period
                      related to the rate of exchange.


0990               Segment group 23:AJT-MOA-RFF-FTX
                   A group of segments indicating adjustment amounts
                   and their referenced documents.

1000                  AJT, Adjustment details
                      A segment indicating any adjustments to the
                      amounts originally specified in the referenced
                      document, and to which items such adjustment
                      apply with the associated reason for adjustment.

1010                  MOA, Monetary amount
                      A segment giving the monetary amounts of the
                      adjustments of each reference document (e.g.
                      original amounts, discount amount, etc.). The
                      currency data elements should not be used.

1020                  RFF, Reference
                      A segment for the inclusion of any additional
                      references related to the reference documents.

1030                  FTX, Free text
                      A segment providing free text information
                      related to the payment details.


1040               Segment group 24:DLI-MOA-PIA-DTM-SG25-SG26
                   A group of segments which may be used when required
                   to provide details of individual line items in the
                   reference document.

1050                  DLI, Document line identification
                      A segment identifying a specific line item
                      within the referenced document.

1060                  MOA, Monetary amount
                      A segment giving the monetary amounts for this
                      line item.

1070                  PIA, Additional product id
                      A segment specifying item identification codes
                      where required.

1080                  DTM, Date/time/period
                      A segment specifying the date/time/period
                      related to the line item.


1090                  Segment group 25:CUX-DTM
                      A group of segments specifying the currency and
                      the related dates/periods for the line item
                      where different to the remittance and document
                      currency.

1100                     CUX, Currencies
                         A segment identifying the currency and
                         associated exchange rate of the line item
                         where different to the source and target
                         currency.

1110                     DTM, Date/time/period
                         A segment specifying the effective date
                         and/or time the rate of exchange was fixed.


1120                  Segment group 26:AJT-MOA-RFF-FTX
                      A group of segments indicating adjustment
                      amounts and their referenced documents for this
                      line item.

1130                     AJT, Adjustment details
                         A segment indicating any adjustments to the
                         amounts originally specified for this line
                         item and the reason for adjustment.

1140                     MOA, Monetary amount
                         A segment giving the monetary amount of the
                         adjustment for the line item.

1150                     RFF, Reference
                         A segment for the inclusion of any additional
                         references related to the line item.

1160                     FTX, Free text
                         A segment providing free text information
                         related to the payment details.


1170            Segment group 27:GIS-MOA
                A group of segments indicating the end of the details
                of payment and specifying hash total amounts for
                control purposes.

1180               GIS, General indicator
                   A segment identifying the end of the details of
                   payment.

1190               MOA, Monetary amount
                   A segment indicating total amounts for control
                   purposes.

1200   CNT, Control total
       A segment identifying the kind of control checks and the totals
       according to the coded form.


1210   Segment group 28:AUT-DTM
       A group of segments specifying the details of any
       authentication (validation) procedures applied to the DEBMUL
       message.

1220      AUT, Authentication result
          A segment specifying details of any authentication
          (validation) procedures applied to the DEBMUL message.

1230      DTM, Date/time/period
          A segment identifying the validation date/time.

1240   UNT, Message trailer
       A service segment ending a message, giving the total number of
       segments in the message and the control reference number of the
       message.

4.2   Data segment index (Alphabetical sequence by tag)

          AJT Adjustment details
          ALC Allowance or charge
          AUT Authentication result
          BGM Beginning of message
          BUS Business function
          CNT Control total
          COM Communication contact
          CTA Contact information
          CUX Currencies
          DLI Document line identification
          DOC Document/message details
          DTM Date/time/period
          FCA Financial charges allocation
          FII Financial institution information
          FTX Free text
          GIS General indicator
          INP Parties to instruction
          LIN Line item
          LOC Place/location identification
          MOA Monetary amount
          NAD Name and address
          PAI Payment instructions
          PCD Percentage details
          PIA Additional product id
          PRC Process identification
          RCS Requirements and conditions
          RFF Reference
          SEQ Sequence details
          TAX Duty/tax/fee details
          UNH Message header
          UNT Message trailer

Contents of DEBMUL