Spécifications du format OFC

Open Financial Connectivity (OFC) and Microsoft® Money

This specification describes the OFC data format and details how Microsoft ® Money uses OFC for online home banking and online bill payment features.

Microsoft hereby grants to any party a royalty-free, worldwide, perpetual license to use the Open Financial Connectivity and Microsoft® Money Specification to make, use, and sell products and services that conform to this Specification.

Version 1.0.6 September 4, 1996

File Import Records

File import will allow a user to import transactions in an OFC (*.ofc) file into Microsoft Money. Money will assume that the transactions in this file have already been posted at the bank.

A file import file is able to be imported into Microsoft Money without a corresponding request.

Tags displayed in bold are required by Microsoft Money.

Account statement <ACCTSTMT>

Tag	Description
<OFC>	Start tag of OFC file
<DTD>	Document type definition version
<CPAGE>	Code page used to interpret OFC data
<ACCTSTMT>	Start tag of Account statement record
<ACCTFROM>	Start tag of account this statement is from (source)
<BANKID>	Identifier for bank (e.g. routing and transit number)
<BRANCHID>	Used to identify banks internationally
<ACCTID>	Account number of account
<ACCTTYPE>	Type of account
</ACCTFROM>	Closing tag of account from aggregate
<STMTRS>	Opening tag for the Statement response
<DTSTART>	Start date of statement
<DTEND>	End date of statement
<LEDGER>	Ledger balance for account
<STMTTRN>	Start tag for statement transaction aggregate
<TRNTYPE>	Type of transaction
<DTPOSTED>	Date transaction was posted to the account
<TRNAMT>	Amount of transaction
<FITID>	Transaction identifier issued by financial institution
<CLTID>	Client assigned transaction identifier
<SRVRTID>	Transaction identifier issued by server.
<CHKNUM>	Reference number for transaction
<SIC>	Standard Industrial Code
<PAYEEID>	Payee identifier for payee
<NAME>	Name of payee Note: The STMTTRN must include a NAME or a PAYEE, but not both.
<PAYEE>	Payee aggregate for the payee. Note: The STMTTRN must include a NAME or a PAYEE, but not both.
<ACCTTO>	Account to aggregate. Recommended if transaction is a transfer.
<MEMO>	Description of transaction
</STMTTRN>	End tag of statement transaction
</STMTRS>	End tag of statement response record
</ACCTSTMT>	End tag of account statement record.
</OFC>	End of OFC file

Notes on <ACCTSTMT> :

It is recommended that one OFC file contain data for one account. Microsoft Money will import the transactions for one account at a time.
The information in the <ACCTFROM> aggregate is used to match the downloaded transactions with those already entered in Money. Money will mark each downloaded transaction as cleared in the user?s account.

Transaction type <TRNTYPE>

TRNTYPEs are used to define the type of a transaction.

Value	Description
0	Credit
1	Debit
2	Interest
3	Dividend
4	Service charge
5	Deposit
6	ATM withdrawal
7	Transfer
8	Check
9	Electronic payment
10	Cash withdrawal
11	Electronic payroll deposit
12	Other

Account statement <PAYEE>

PAYEE is used to describe a payee (merchant or individual). A PAYEE can be anyone the user wishes to pay electronically.

Tag	Description
<NAME>	Name of payee
<ADDRESS>	First line of payee?s address
<ADDRESS>	Second line of payee?s address
<CITY>	Payee?s city
<STATE>	Payee?s state
<POSTALID>	Zip code
<PHONE>	Payee?s telephone number

Account <ACCTTO>, <ACCTFROM>

The account aggregate is used to describe an account

Tag	Description
<BANKID>	Unique identifier for the bank (e.g. routing and transit number)
<BRANCHID>	Used to describe international banks.
<ACCTID>	Account number at bank
<ACCTTYPE>	Type of account (aggregate)

Account type <ACCTTYPE>

The account type aggregate provides a more detailed description of an account. Money uses it to match downloaded accounts with those created in Money.

Tag	Description
0	Checking
1	Savings
2	Credit card
3	Money market
4	Line of credit
5	Loan (Not supported by Microsoft Money)
6	Interbank transfer payee
7	Other

Amount type <TRNAMT>

Amounts are composed of digits. A period "." or comma "," should be used to separate digits. If the amount is a debit, a minus "-" sign should be placed before the digits.

Amounts should always have 2 numbers following a decimal point.

<TRNAMT> XXXX.XX (credit w/ period)
<TRNAMT> XXXX,XX (credit w/ comma)
<TRNAMT>-XXXX.XX (debit w/ period)
<TRNAMT>-XXXX,XX (debit w/ comma)

Date and Time <DTSERVER>, <DTCLIENT>, <DTSTART>, <DTEND>, <DTPOSTED>

<DTCLIENT> and <DTSERVER> are used to specify date and time values. Both of these elements are based on the local time of the server and Money. The following syntax is supported :

YYYYMMDDHHMMSS
YYYYMMDD (no time specified)

Note on <STMTRS>

This table details where each STMTRS element is recorded in a Money Account Register transaction.

STMTRS element	How Money uses it in a transaction
<CHKNUM>	Check number
<PAYEE> or <NAME>	Payee
<TRNAMT>	Amount
<MEMO>	Memo

The server should compose a STMTRN aggregate for each transaction in the statement.
If the server can track the SRVRTID from a bill payment transaction, the server should return the SRVRTID in the statement. Money will use the SRVRTIDs to prevent duplicate transactions in the Account Register.
FITIDs are used to match previously downloaded transactions with newly downloaded transactions. If two transactions have the same FITID, Money considers them to be the same transaction. If the server includes a FITID, the user will never have duplicate transactions entered in their Account Register.
CHKNUMs should be included for check transactions. Money uses CHKNUMs to match downloaded transactions with those entered in the Account Register. Money allows CHKNUMs to be up to 8 characters.
Reference Appendix One for a listing of supported SIC codes. Including a SIC code with a transaction will automatically categorize it in Microsoft Money, saving the user time and effort when reconciling their downloaded statement.
If a PAYEEID is included, Money will use it to determine a payee for the transaction.
Either a complete aggregate or a can be included. The user will be able to better reconcile their downloaded statement if a or is included.
can include a description of the transaction.
If the user?s balance is zero, include 0.00 in the LEDGER element.
If the server has returned multiple NAME elements, Money will display them as ?Name, name, name?

Notes on credit card statements:

A server should follow these instructions when returning credit card statement data:

Credits should be positive amounts. Credits include payments the user has made to lower their credit card balance.
Charges should be negative amounts.
If the user has an outstanding balance on their credit card, the LEDGER should be negative.
Include a SIC code whenever possible. If a SIC code is included, Money will automatically assign a category to the transaction when the user reconciles their account.

Standard Industrial Code support

This section includes a list of the Standard Industrial Codes (SIC codes) supported by Money 5.0 and the categories that Money will assign a transaction that includes a SIC code. SIC codes can be included in a STMTRS or ACCTSTMT.

Money assigns a Category and Subcategory. For example, AutoGas in the list below means that Money will assign the category of Auto and the subcategory of Gas.

AutoGas = 5541, 5542

AutoMaint = 5511, 5521, 5531, 5532, 5533, 5599, 7523, 7524, 7531, 7532, 7533, 7534, 7535, 7536, 7537, 7538, 7539, 7542, 7549

Bank = 6051, 6760

Childcare = 8351

Clothing = 5611, 5621, 5631, 5632, 5641, 5651, 5655, 5661, 5681, 5691, 5697, 5698, 5699

EduBooks = 5942

EduTuition = 8211, 8220, 8221, 8222, 8241, 8243, 8244, 8249, 8299

FoodDiningOut = 5811, 5812, 5813, 5814

FoodGroceries = 5411, 5421, 5422, 5431, 5441, 5451, 5461, 5462, 5499, 5921

Furnishings = 5712, 5713, 5714, 5718, 5719, 5722, 5932 Gifts = 5947

Health = 5047, 5975, 5976, 8011, 8031, 8041, 8042, 8043, 8044, 8049, 8050, 8071, 8082, 8099

HealthDental = 8021

HealthEyecare = 5995

HealthHospital = 8062, 8063, 8069

HealthPrescriptions = 5912

HousingMaint = 780, 1520, 1711, 1731, 1740, 1750, 1761, 1771, 1799, 5033, 5211, 5231, 5251, 5261, 5271, 7216, 7217, 7341, 7342, 7349, 7622, 7623, 7629, 7631, 7641, 7692, 7699

Insurance = 6300, 6381, 6399, 6411

InsuranceHealth = 6321

InsuranceLife = 6311

Leisure = 5551, 5561, 5571, 5592, 5598, 5731, 5732, 5733, 5734, 5735, 5736, 5940, 5941, 5946, 5949, 5996, 7032, 7033, 7513, 7519, 7832, 7911, 7922, 7929, 7932, 7933, 7941, 7948, 7991, 7992, 7993, 7994, 7995, 7996, 7997, 7998, 7999, 8412, 8422

LeisureCableTV = 4841

LeisureToysGames = 5945

PersonalCare = 7231, 7241

UtilElec = 4911, 4931

UtilOilGas = 4922, 4923, 4924, 4925, 4932, 5983 ;

UtilTelephone = 4812, 4813, 4814, 4815 ;

UtilWaterSewerGarbage = 4941, 4952, 4953

VacationLodging = 7011, 7021

VacationTravel = 4011, 4111, 4119, 4512, 4724, 4725, 4729

OFC Specifications (extract)