0.    INTRODUCTION

       This specification provides the definition of the Financial
       statement of an account message (FINSTA) to be used in
       Electronic Data Interchange (EDI) between trading partners
       involved in administration, commerce and transport.

1.    SCOPE

1.1   Functional Definition

       This message can be used to cater for various communication
       functions between financial institutions and their customers.
       The most frequent function is to provide a statement of booked
       items confirming entries on a customer's account. The message
       type may contain several accounts (quoted in the B-level).

1.2   Field of Application

       The Financial statement of an account message may be used for
       both national and international applications. It is based on
       universal practice related to administration, commerce and
       transport, and is not dependent on the type of business or
       industry.

1.3   Principles

       - Several 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

3.1   Standard 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 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 Financial Statement of an Account message is
       structured in three levels: A,B and C. Level A starts with the
       UNH segment, level B starts with  the LIN segment in Segment
       Group 4 and level C starts with the SEQ segment in Segment
       Group 6. 
        
       -   Level A contains general data related to the whole message
       and is contained in Segment Groups 1, 2, 3 and 7. 
       -   Level B contains the account related details such as
       balances, account number. Furthermore, this level describes the
       kind of statement. 
       -   Level C contains the single item as it was advised to the
       customer by a debit/credit advice. Furthermore, this level
       contains any level B of a multiple message such as PAYMUL,
       DEBMUL or CREMUL. In some special cases it is possible, that
       several B levels are contained in a message without any
       dependent C levels (balance confirmation for auditing
       purposes). 
        
       -   Where a choice of code or text is given only the code
       element should be used wherever possible.

   UNH, Message header
       A service segment starting and uniquely identifying a message.
       The message type code for the Financial statement of an account
       message is FINSTA.
       
       Note: Financial statement of an account messages conforming to
       this document must contain the following data in segment UNH,
       composite S009:

       Data element  0065 FINSTA
                     0052 D
                     0054 97A
                     0051 UN

   BGM, Beginning of message
       A segment by means of which the sender must uniquely identify
       the FINSTA message using its type and number and its function.

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


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

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

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


   Segment group 2: FII-CTA-COM
       A group of segments identifying the financial institutions
       involved in the financial statement of an account message,
       their functions and and their contacts.

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

      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.

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


   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.

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

      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.

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


   Segment group 4: LIN-FII-RFF-FTX-SG5-SG6
       A group of segments specifying details related to the account
       and type of account, such as statement number, balance,
       relevant amounts and dates.

      LIN, Line item
          A segment identifying the beginning of the specification of
          information related to the account by a sequential line
          number.

      FII, Financial institution information
          A segment specifying the account and type of account.

      RFF, Reference
          A segment specifying, if necessary, the statement number and
          paging details.

      FTX, Free text
          A segment in free form to provide additional information
          which cannot be accommodated within other segments.


      Segment group 5: MOA-DTM
          A group of segments indicating the balance of the account,
          its type and the respective dates (e.g. opening balance,
          final closing balance, etc.).

         MOA, Monetary amount
             A segment indicating the balance of the account and its
             type.

         DTM, Date/time/period
             A segment specifying the date associated with the amount
             specified in the leading MOA segment.


      Segment group 6: SEQ-RFF-DTM-BUS-MOA-FTX
          A group of segments providing references, value and entry
          dates, the business function of the booked items, amounts,
          type and status.

         SEQ, Sequence details
             A segment identifying the beginning of the specification
             of the individual entries booked.

         RFF, Reference
             A segment identifying references of parties involved in
             the transaction.

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

         BUS, Business function
             A segment identifying certain characteristics of the
             items stored in level C, such as business function.

         MOA, Monetary amount
             A segment specifying the amount, its type and status of
             the booked item.

         FTX, Free text
             A segment in free form to provide additional information
             which cannot be accommodated within other segments.

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


   Segment group 7: AUT-DTM
       A group of segments specifying details of any authentication
       (validation) procedures applied to the FINSTA message.

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

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

   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)

          AUT Authentication result
          BGM Beginning of message
          BUS Business function
          CNT Control total
          COM Communication contact
          CTA Contact information
          DTM Date/time/period
          FII Financial institution information
          FTX Free text
          LIN Line item
          MOA Monetary amount
          NAD Name and address
          RFF Reference
          SEQ Sequence details
          UNH Message header
          UNT Message trailer

Contents of FINSTA