0.    INTRODUCTION

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

1.    SCOPE

1.1   Functional Definition

       A Credit Advice is sent by the Account Servicing Financial
       Institution to the Account Owner to inform the Account Owner
       that its account has been or will be credited for a specified
       amount on the date indicated, in settlement of the referenced
       business transaction(s).

1.2   Field of Application

       The Credit advice 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

       A Credit Advice 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.

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.

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

       Data element  0065 CREADV
                     0052 D
                     0054 97B
                     0051 UN

0020   BGM, Beginning of message
       A segment for unique identification of the Credit Advice, the
       type of Credit Advice and its function.

0030   BUS, Business function
       A segment identifying certain characteristics of the Credit
       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.

0040   DTM, Date/time/period
       A segment specifying the date and, when required, the time at
       which the message has been created as well as other dates and
       times relevant to the financial transaction.


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/time of the
          referenced message.


0080   Segment group 2: MOA-CUX-DTM-RFF
       A group of segments identifying the monetary amount and, if
       necessary, the currencies and exchange rate and date for that
       payment.

0090      MOA, Monetary amount
          A segment giving the amount value of the credit.

0100      CUX, Currencies
          A segment identifying 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 Ordering Customer and the Ordered Bank.

0110      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.

0120      RFF, Reference
          A segment identifying other transactions to which funds
          associated with the Credit Advice are related, such as a
          separate foreign exchange deal.

0130   FTX, Free text
       A segment giving information in coded or clear form, to provide
       supplementary information relating to the Credit Advice.


0140   Segment group 3: FII-CTA-COM
       A group of segments providing information about the financial
       institutions and accounts of each party to the Credit Advice,
       together with details of any parties contacted or to be
       contacted in relation with the transaction, and any required
       action by parties to the transaction.

0150      FII, Financial institution information
          A segment identifying the financial institution (e.g., bank)
          and relevant account number and currency for the Payor,
          Payee and other parties to the transaction.

0160      CTA, Contact information
          A segment identifying a person or a department for the
          financial institution specified in the FII segment and to
          whom communication should be directed.

0170      COM, Communication contact
          A segment providing a communication number for the party
          identified in the FII segment and optionally for the contact
          identified in the associated CTA segment.


0180   Segment group 4: NAD-CTA-COM
       A group of segments identifying the name and address of the
       non-financial institutions involved in the transaction and
       their contacts.

0190      NAD, Name and address
          A segment identifying the name and address of the
          non-financial parties associated with the Credit Advice and
          their functions. Identification of the Payor and Payee
          parties is mandatory for the Credit Advice message and
          should be given in this segment.

0200      CTA, Contact information
          A segment identifying a person or a department for the party
          specified in the NAD segment and to whom communication
          should be directed.

0210      COM, Communication contact
          A segment providing a communication number for the party
          identified in the NAD segment and optionally for the contact
          identified in the associated CTA segment.


0220   Segment group 5: INP-FTX-DTM
       A group of segments containing instructions relating to parties
       identified in the NAD and FII segments. 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.

0230      INP, Parties and instruction
          A segment identifying the party originating 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.

0240      FTX, Free text
          A segment providing free text instruction relating to the
          associated INP segment.

0250      DTM, Date/time/period
          A segment specifying the earliest and the latest dates and
          times by which the instruction specified in the INP and/or
          FTX segments needs to be carried out.


0260   Segment group 6: 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.

0270      GIS, General indicator
          A segment identifying what processing should be completed by
          regulatory authorities.

0280      MOA, Monetary amount
          A segment giving the amount and the currency of each
          transaction to be reported.

0290      LOC, Place/location identification
          A segment giving the different origins/destinations (places)
          of goods/investment/services.

0300      NAD, Name and address
          A segment identifying the recipient of the associated
          informative text.

0310      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.

0320      FTX, Free text
          A segment giving information, in coded or clear form, to
          provide information relevant to regulatory authorities
          requirements.


0330   Segment group 7: FCA-MOA-SG8
       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.

0340      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.

0350      MOA, Monetary amount
          A segment giving the total value of charges and/or
          allowances and associated taxes, that relate to an account
          for charges/allowances.
          This segment also identifies the basis amount from which
          charges are calculated, if different from the overall amount
          of the original order.


0360      Segment group 8: ALC-PCD-MOA-CUX-DTM-SG9
          A group of segments providing a detail breakdown of all
          charges (or allowances) and associated charges (or
          allowances).

0370         ALC, Allowance or charge
             A segment providing full details of each charge or
             allowance for which the Payee is liable. Included are
             full details of the method of calculating the charge.

0380         PCD, Percentage details
             A segment specifying the percentage used for calculating
             the charges (or allowances).

0390         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.

0400         CUX, Currencies
             A segment used to specify rates related to the charges
             and allowances.

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


0420         Segment group 9: TAX-MOA-CUX-DTM
             A group of segments describing any taxes associated with
             the charges and their amount.

0430            TAX, Duty/tax/fee details
                A segment identifying any taxes related to a specific
                charge.

0440            MOA, Monetary amount
                A segment specifying the total amount of the tax and
                the basis of calculation.

0450            CUX, Currencies
                A segment specifying exchange rates.

0460            DTM, Date/time/period
                A segment identifying the effective date and/or time
                the rate of exchange was fixed.


0470   Segment group 10:DOC-DTM
       A group of segments providing brief structured cross references
       to transactions to which the credit advice relates.

0480      DOC, Document/message details
          A segment identifying the document relating to the credit
          advice.

0490      DTM, Date/time/period
          A segment identifying the date of issue of the document
          described in the preceding DOC segment.


0500   Segment group 11:AUT-DTM
       A group of segments specifying the details of authentication.

0510      AUT, Authentication result
          A segment specifying the details of any authentication
          (validation) procedure applied to the Credit Advice message.

0520      DTM, Date/time/period
          A segment identifying the date and where necessary, the time
          of validation.

0530   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)

          ALC Allowance or charge
          AUT Authentication result
          BGM Beginning of message
          BUS Business function
          COM Communication contact
          CTA Contact information
          CUX Currencies
          DOC Document/message details
          DTM Date/time/period
          FCA Financial charges allocation
          FII Financial institution information
          FTX Free text
          GIS General indicator
          INP Parties and instruction
          LOC Place/location identification
          MOA Monetary amount
          NAD Name and address
          PCD Percentage details
          RCS Requirements and conditions
          RFF Reference
          TAX Duty/tax/fee details
          UNH Message header
          UNT Message trailer

Contents of CREADV