0.    INTRODUCTION

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

1.    SCOPE

1.1   Functional Definition

       Prior to the Direct Debit procedure, some agreement(s) would
       usually have been concluded : 
       
       - agreement between the Creditor and his Bank (mainly to
       specify the conditions of credit and the kind of direct debit).
       
       - agreement between the Debtor and the Debtor's Bank (i.e.
       pre-authorization and condition of debit), or between the
       Creditor and the Debtor.
       
       A Direct Debit is sent by the Creditor to the Creditor's Bank
       instructing it to claim specified amount(s) from the Debtor(s)
       and to credit the amount(s) to an account specified in the
       message, which the Creditor's Bank services for the Creditor in
       settlement of the referenced transaction(s).
       
       Throughout this document the term 'Creditor' refers to either a
       Beneficiary or a Payee, likewise the term 'Debtor' refers to
       either an Ordering Customer or a Payor.
       
       The term 'Bank' may be interpreted as any financial
       institution.
       
       The term 'pre-authorization' refers to an agreement between a
       Creditor and a Debtor for
       
       - either automatic debiting, as required,
       
       - or for debiting unless rejected by the debtor in a period of
       time.
       
       The agreement can also be made between the debtor and his bank,
       independently of the amount of the DIRDEB.

1.2   Field of Application

       This message type may be applied, for both national and
       international settlements, but it is based on the national
       existing rules of the debit side.

1.3   Principles

       - A Direct Debit may cover the financial settlement(s) 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 credit accounts, execution dates and currencies may
       be specified.
       
       - Charges may be borne on account(s) different of the
       account(s) held by the Creditor.
       
       - The Creditor's Bank may need a confirmation/authorization
       (AUTHOR) from the creditor to be able to process the Direct
       Debit Message.
       
       - Pre-authorized and non pre-authorized direct debits shall not
       be mixed within the same message.
       
       - The only way to modify a Direct Debit message is to cancel
       the whole message or a transaction thereof (e.g. by the use of
       the FINCAN message). In that respect, one to many order(s)
       could be cancelled within the message, avoiding to be obliged
       to cancel the whole message.
       
       The cancellation of a message can only be effected by the
       originator of the message. The kind of cancellation is
       dependent upon the process of the message or a transaction of
       it.

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 applying to the message are
       intended to facilitate the understanding of the message:
       
       The Direct Debit message is structured in three levels: A, B
       and C.
       
          - Level A contains general data related to the whole message
       and is contained in Segment Groups 1, 2, 3 and 24.
       
          - Level B contains data from the credit side (one credit
       account, one currency, one execution day) and data which
       applies to all the dependent C levels and is contained in
       Segment Group 4 through Segment Group 10.
       
          - Level C contains mainly data related to the debit side
       and, may contain remittance information. This data is
       considered as unique for each debit transaction and is
       contained in Segment Group 11 through Segment Group 23.
       
       The structure of the message is designed to allow several B
       levels, each B level being followed by its related C levels.

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

       Data element  0065 DIRDEB
                     0052 D
                     0054 96B
                     0051 UN

0020   BGM, Beginning of message
       A segment by means of which the sender must uniquely identify
       the DIRDEB message using its type (e.g., kind of pre-authorized
       instructions or not pre-authorized) and number and its
       function. The requirement for a response, e.g., related credit
       advices, may be indicated.
       
       Note: The identification of the DIRDEB will be passed back to
       the creditor for reconciliation purposes.

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

0040   BUS, Business function
       A segment identifying certain characteristics of the DIRDEB,
       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 identifying a previously sent message.

0070      DTM, Date/time/period
          A segment identifying the date/time of the previously sent
          message.


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

0090      FII, Financial institution information
          A segment identifying the financial institution associated
          with the transaction and their functions.

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
       each non-financial party involved in the transaction, their
       functions and their contacts.

0130      NAD, Name and address
          A segment identifying names and addresses of the parties
          associated with the direct debit, in coded or uncoded form,
          and their functions.

0140      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.

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-RFF-BUS-FCA-SG5-SG6-SG7-SG8-SG9-SG10-
                         SG11
       A group of segments containing information regarding the credit
       side of the transaction and details which are pertinent to all
       direct debits specified within the group. Certain payment
       details may be provided either in segment group 4 or in segment
       group 11, but not in both.

0170      LIN, Line item
          A segment identifying the beginning of the credit side of
          the transaction (B level) by a sequential line number, which
          may also be used for reconciliation purposes.

0180      DTM, Date/time/period
          A segment identifying the date, at which an order has been
          requested to be executed or acted upon.

0190      RFF, Reference
          A segment specifying reference of the single credit amount
          on the credit side of the transaction (B level).
          Note: The identification will be passed back to the creditor
          for reconciliation purposes.

0200      BUS, Business function
          A segment identifying certain characteristics of the direct
          debits stored on the debit side of the transaction (C
          level), such as business function.

0210      FCA, Financial charges allocation
          A segment specifying the method for allocation of charges
          and allowances and identifying the creditor's account to
          which such charges or allowances should be directed where it
          is different from the principal account. This constitutes a
          default specification and is mutually exclusive with the FCA
          segment in Segment Group 11.


0220      Segment group 5: MOA-CUX-DTM-RFF
          A group of segments containing the currency of the single
          amounts on the debit side of the transaction (C level),
          currency to be collected, plus the total of all single
          amounts of the debit side of the transaction (C level).

0230         MOA, Monetary amount
             A segment specifying the total amount and the currency to
             be collected.

0240         CUX, Currencies
             A segment specifying the source currency and the target
             currency of the transaction, when they are different. The
             rate of exchange is solely used when previously agreed
             between the creditor and the creditor's bank.

0250         DTM, Date/time/period
             A segment identifying the effective date and/or time the
             rate of exchange was fixed. The other occurrence
             identifies the reference date.

0260         RFF, Reference
             A segment identifying other transactions to which funds
             associated with the direct debit are related such as
             separate foreign exchange deal.


0270      Segment group 6: FII-CTA-COM
          A group of segments containing the account servicing bank
          including the account to be credited. If the creditor is not
          quoted separately in the NAD segment on the credit side of
          the transaction (B level), then this group also contains the
          information of the creditor.

0280         FII, Financial institution information
             A segment identifying the financial institution and
             relevant account number associated with the transaction,
             and their functions.

0290         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.

0300         COM, Communication contact
             A segment identifying communication type(s) and number(s)
             of person(s) or department(s) specified in the associated
             CTA segment.


0310      Segment group 7: NAD-CTA-COM
          A group of segments identifying the creditor. Furthermore,
          one contact party can also be quoted in this group.

0320         NAD, Name and address
             A segment identifying name and address of the
             non-financial institutions associated with the credit
             side of the transaction (B level).

0330         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.

0340         COM, Communication contact
             A segment identifying communication type(s) and number(s)
             of person(s) or department(s) specified in the associated
             CTA segment.


0350      Segment group 8: INP-FTX-DTM
          A group of segments containing instructions from the
          creditor relating to parties identified in the NAD and FII
          segments. It specifies action to be taken by the identified
          parties, and the date (and optionally time) by which such
          action needs to be taken.

0360         INP, Parties to instruction
             A segment identifying the party to enact the instruction
             and the parties to be contacted. It specifies where
             appropriate the instruction in coded form.

0370         FTX, Free text
             A segment providing free text instruction relating to the
             associated INP segment.

0380         DTM, Date/time/period
             A segment specifying the earliest and latest dates and/or
             times by which the instruction specified in the INP
             and/or FTX segment(s) needs to be carried out.


0390      Segment group 9: 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. 
          This group is mutually exclusive with Segment Group 15.

0400         GIS, General indicator
             A segment identifying what processing should be completed
             for regulatory authorities.

0410         MOA, Monetary amount
             A segment giving the amount and the currency of each
             transaction to be reported.

0420         LOC, Place/location identification
             A segment giving the different origins/destinations
             (places) of goods/investment/services.

0430         NAD, Name and address
             A segment identifying a party related to the associated
             informative text.

0440         RCS, Requirements and conditions
             A segment giving the nature (e.g. goods, transport
             services) and direction of each transaction to be
             reported in coded form.

0450         FTX, Free text
             A segment giving information in coded or in clear form to
             provide information relevant to regulatory authorities
             requirements.


0460      Segment group 10:PRC-FTX
          A group of segments giving information in free form about
          the purpose of the direct debit from the creditor to the
          debtors.

0470         PRC, Process identification
             A segment identifying the kind of process at the debtor's
             side.

0480         FTX, Free text
             A segment providing clear form information from the
             creditor to the debtor.


0490      Segment group 11:SEQ-MOA-DTM-RFF-PAI-FCA-SG12-SG13-SG14-
                            SG15-SG16
          This Segment Group contains information regarding the
          debtor(s) of the direct debit. Certain payment details may
          be provided either in Segment Group 11 or in Segment Group
          4, but not in both.

0500         SEQ, Sequence details
             A segment identifying the beginning of the debit side of
             the transaction (C level) by a sequential number, which
             may also be used for reconciliation purposes.

0510         MOA, Monetary amount
             A segment giving the amount of the direct debit. It is
             the amount to be collected. The currency is quoted on the
             credit side of the transaction (B level).

0520         DTM, Date/time/period
             A segment identifying date(s)/time(s) to the debtor's
             side.

0530         RFF, Reference
             A segment identifying a transaction from the creditor to
             the debtor and/or from the creditor to the creditor's
             bank.

0540         PAI, Payment instructions
             A segment specifying the conditions, method and channel
             of payment for the direct debit.

0550         FCA, Financial charges allocation
             A segment specifying the method for allocation of charges
             and allowances and identifying the creditor's account to
             which such charges or allowances should be directed where
             it is different from the principal account. This segment
             is mutually exclusive with the FCA segment in Segment
             Group 4.


0560         Segment group 12:FII-CTA-COM
             A group of segments containing the debtor's bank and the
             account and if necessary up to two intermediary banks.

0570            FII, Financial institution information
                A segment identifying the financial institution and
                relevant account number associated with the
                transaction, and their functions.

0580            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.

0590            COM, Communication contact
                A segment identifying communication type(s) and
                number(s) of person(s) or department(s) specified in
                the associated CTA segment.


0600         Segment group 13:NAD-CTA-COM
             A group of segments identifying the name and address of
             the debtor and one contact party.

0610            NAD, Name and address
                A segment identifying names and addresses of the
                non-financial institutions associated with the direct
                debit on the debtor's side .

0620            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.

0630            COM, Communication contact
                A segment identifying communication type(s) and
                number(s) of person(s) or department(s) specified in
                the associated CTA segment.


0640         Segment group 14:INP-FTX-DTM
             A group of segments containing instructions from the
             creditor relating to parties identified in the NAD and
             FII segments. It specifies action to be taken by the
             identified parties, and the date (and optionally time) by
             which such actions needs to be taken.

0650            INP, Parties to instruction
                A segment identifying the party to enact the
                instruction and the parties to be contacted. It
                specifies where appropriate the instruction in coded
                form.

0660            FTX, Free text
                A segment providing free text instruction relating to
                the associated INP segment.

0670            DTM, Date/time/period
                A segment specifying the earliest and latest dates
                and/or times by which the instruction specified in the
                INP and/or FTX segment(s) needs to be carried out.


0680         Segment group 15: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.

0690            GIS, General indicator
                A segment identifying what processing should be
                completed for regulatory authorities.

0700            MOA, Monetary amount
                A segment giving the amount and the currency of each
                transaction to be reported.

0710            LOC, Place/location identification
                A segment giving the different origins/destinations
                (places) of goods/investment/services.

0720            NAD, Name and address
                A segment identifying a party related to the
                associated informative text.

0730            RCS, Requirements and conditions
                A segment giving the nature (e.g. goods, transport
                services) and direction of each transaction to be
                reported in coded form.

0740            FTX, Free text
                A segment giving information in coded or in clear form
                to provide information relevant to regulatory
                authorities requirements.


0750         Segment group 16:PRC-FTX-SG17-SG23
             A group of segments containing the details of the direct
             debit. The content of these segments is passed through
             the banking chain from the creditor to the debtor.

0760            PRC, Process identification
                A segment identifying the kind of processing at the
                debtor's side.

0770            FTX, Free text
                A segment providing free text instruction(s) relating
                to the direct debit details.


0780            Segment group 17:DOC-MOA-DTM-RFF-NAD-SG18-SG19-SG20
                A group of segments providing details of all documents
                e.g., invoices, statements, despatch advices, etc., to
                which the direct debit 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.

0790               DOC, Document/message details
                   A segment identifying the reference document
                   against which payment is being made.

0800               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.

0810               DTM, Date/time/period
                   A segment specifying the date of the referenced
                   document and indicating any other relevant dates
                   applicable.

0820               RFF, Reference
                   A segment for the inclusion of any additional
                   references related to the reference document.

0830               NAD, Name and address
                   A segment identifying a party name and address,
                   either by coded identification or in a clear form.


0840               Segment group 18: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.

0850                  CUX, Currencies
                      A segment identifying the currency and
                      associated exchange rate of the referenced
                      document where different to the remittance
                      currency.

0860                  DTM, Date/time/period
                      A segment specifying the date/time/period
                      related to the rate of exchange.


0870               Segment group 19:AJT-MOA-RFF-FTX
                   A group of segments indicating adjustment amounts
                   and their referenced documents.

0880                  AJT, Adjustment details
                      A segment indicating any adjustments to the
                      amounts originally specified in the referenced
                      document, and to which items such adjustments
                      apply, with the associated reason for
                      adjustment.

0890                  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.

0900                  RFF, Reference
                      A segment for the inclusion of any additional
                      references related to the reference documents.

0910                  FTX, Free text
                      A segment providing free text information
                      related to the payment details.


0920               Segment group 20:DLI-MOA-PIA-DTM-SG21-SG22
                   A group of segments which may be used when required
                   to provide details of individual line items in the
                   reference document.

0930                  DLI, Document line identification
                      A segment identifying a specific line item
                      within the reference document.

0940                  MOA, Monetary amount
                      A segment giving the monetary amounts for this
                      line item.

0950                  PIA, Additional product id
                      A segment specifying item identification codes
                      where required.

0960                  DTM, Date/time/period
                      A segment specifying the date/time/period
                      related to the line item.


0970                  Segment group 21: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.

0980                     CUX, Currencies
                         A segment identifying the currency and
                         associated exchange rate of the referenced
                         document where different to the remittance
                         currency.

0990                     DTM, Date/time/period
                         A segment specifying the date/time/period
                         related to the rate of exchange.


1000                  Segment group 22:AJT-MOA-RFF-FTX
                      A group of segments indicating adjustment
                      amounts and their reference documents.

1010                     AJT, Adjustment details
                         A segment indicating any adjustments to the
                         amounts originally specified in the
                         referenced document, and to which items such
                         adjustments apply with the associated  reason
                         for adjustment.

1020                     MOA, Monetary amount
                         A segment giving the monetary amounts of the
                         adjustments of each reference document (e.g.
                         original amounts, discount amounts, etc.).
                         The currency data elements should not be
                         used.

1030                     RFF, Reference
                         A segment for the inclusion of any additional
                         references related to the reference document.

1040                     FTX, Free text
                         A segment providing free text information
                         related to the payment details.


1050            Segment group 23:GIS-MOA
                A group of segments indicating the end of the details
                of payment and specifying hash total amounts for
                control purposes.

1060               GIS, General indicator
                   A segment identifying the end of the details of
                   payment.

1070               MOA, Monetary amount
                   A segment indicating total amounts for control
                   purposes.

1080   CNT, Control total
       A segment providing information on control totals.


1090   Segment group 24:AUT-DTM
       A group of segments specifying details of any authentication
       (validation) procedures applied to the DIRDEB message.

1100      AUT, Authentication result
          A segment specifying the details of any authentication
          (validation) procedures applied to the DIRDEB message.

1110      DTM, Date/time/period
          A segment identifying the validation date/time.

1120   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
          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
          PIA Additional product id
          PRC Process identification
          RCS Requirements and conditions
          RFF Reference
          SEQ Sequence details
          UNH Message header
          UNT Message trailer

Contents of DIRDEB