Account Information Summary (AIS) 2.0

Field NameTypeSizeField Format/Description

accountServiceType

Text

4

User-defined information (bundles of services and products).

applicationReferenceNumber

Text

32

Unique identifier for the application the customer completed to open the account.

authenticationCodeLength

Numeric

2

Reserved.

Length of the authentication code used for the account.

authenticationCodeSetDate

Date

8

Format: yyyymmdd

Reserved.

Date on which the authentication code was last set.

authenticationCodeType

Text

1

Reserved.

Type of authentication code:

  • I = Issuer selected
  • C = Customer selected
  • Blank = Unknown

bankId

Text

20

Bank Identification Number of the bank or subsidiary that holds the account.

behaviorScore1

Numeric

4

First behavior score.

behaviorScore2

Numeric

4

Second behavior score.

branchCity

Text

40

Branch city.

branchCountry

Text

3

ISO 3166-1 three-digit numeric country code for the branch where the account is held.

branchId

Text

20

Branch Identification Number. The ID number for the branch where the account is held.

branchPostalCode

Text

10

Branch address: postal code.

branchStateProvince

Text

3

Branch province or state.

cashbackLimitMode

Text

1

Indicates which daily limits cashback counts towards:

  • C = Daily CASH limit and, if enforced, daily TOTAL limit
  • P = Daily POS limit and, if enforced, daily TOTAL limit
  • T = Daily TOTAL limit only, if enforced

clientIdFromHeader

Text

16

Unique identifier for the client or subclient. The value of this field is determined jointly by the client and FICO.

creditLimit

Numeric

16

Format: nnnnnnnnnnnnnnnn

Credit limit on account and inclusive of all access instruments, expressed in full units of the currency specified in currencyCode. This is the total of all credit provided by this account.

currencyCode

Text

3

ISO 4217 three-digit numeric currency code. This is the currency unit used for all currency-based fields.

currencyConversionRate

Numeric

13

Format: nnnnnn.nnnnnn

The multiplicative currency conversion rate that is used to convert the currency specified in currencyCode to US dollars. The number of US dollars in the currency specified in currencyCode.

customerAcctNumber

Text

40

Unique identifier for the account associated with the transaction/record.

customerIdFromHeader

Text

20

Primary Customer Identifier. Financial institution's unique identifier for the primary customer for the account.

dailyCashLimit

Numeric

16

Format: nnnnnnnnnnnnnnnn

Daily limit for cash (ATM) transactions on account and inclusive of all access instruments, expressed in full units of the currency specified in currencyCode.

dailyPosLimit

Numeric

16

Format: nnnnnnnnnnnnnnnn

Daily limit for POS transactions on account and inclusive of all access instruments, expressed in full units of the currency specified in currencyCode.

dailyTotalLimit

Numeric

16

Format: nnnnnnnnnnnnnnnn

Daily limit for all transactions on account and inclusive of all access instruments, expressed in full units of the currency specified in currencyCode.

dataSpecificationVersion

Text

5

2.0

delinquentAmount

Numeric

19

Format: nnnnnnnnnnnnnnnn.nn

Total delinquent amount, expressed in units of the currency specified in currencyCode.

externalTransactionId

Text

32

Client-generated unique transaction ID that is unique across all data feeds for a specific installation of Falcon Fraud Manager.

gmtOffset

Numeric

6

Filled with blanks.

hasDirectDeposit

Text

1

Indicates whether there is one or more regular direct deposits into the account:

  • Y = Yes
  • N = No

hasMobilePay

Text

1

Indicates whether the account is registered for mobile pay:

  • Y = Yes
  • N = No

hasOnlinePay

Text

1

Indicates whether the account is registered for bill pay or online payment access:

  • Y = Yes
  • N = No

interestRate

Numeric

8

Reserved.

Effective interest rate on the account.

interestRateCategory

Text

10

User-defined classification of the interest rates charged or paid for this account. Optional field.

jointCustomerId

Text

20

Joint Account Holder Customer Number. Financial institution's unique identifier for the 2nd customer on a joint account.

numberOfAuthorizedUsers

Numeric

5

Number of authorized users on this account.

numberOfCyclesDelinquent

Numeric

2

Number of cycles delinquent.

numberOfCyclesInactive

Numeric

3

Number of cycles the account has been inactive.

numberOfPaymentIds

Numeric

5

Number of active payment instruments for this account.

openDate

Date

8

Format: yyyymmdd

Date the account was originally opened.

overdraftLimit

Numeric

16

Format: nnnnnnnnnnnnnnnn

Allowed limit for overdraft, expressed in full units of the currency specified in currencyCode.

overlimitFlag

Text

1

Overlimit status of the account:

  • 0 = account is not overlimit/overdraft
  • 1 = account is overlimit/overdraft

ownership

Text

2

Indicates what type of legal entity owns the account. Valid values:

  • B = Small business
  • C = Commercial/corporate
  • G = Government
  • O = Other
  • PI = Personal individual
  • PJ = Personal joint
  • N = Nonprofit
  • blank = Unknown

portfolio

Text

14

User-defined name of the portfolio to which this account belongs. Optional field.

recordCreationDate

Date

8

Format: yyyymmdd

Date that this record was created. Time zone must be GMT.

recordCreationMilliseconds

Numeric

3

Format: sss

Milliseconds portion of the time that this record was created.

recordCreationTime

Date

6

Format: hhmmss

Time that this record was created. Time zone must be GMT.

recordType

Text

8

AIS20

routingNumber

Text

20

Routing number of the financial institution where the customer's account is held.

segmentId1

Text

6

Segmentation ID of the account. Reserved for FICO modeling.

segmentId2

Text

6

Segmentation ID of the account. Reserved for FICO modeling.

segmentId3

Text

6

Segmentation ID of the account. Reserved for FICO modeling.

segmentId4

Text

6

Segmentation ID of the account. Reserved for FICO modeling.

statementAddressee

Text

60

The addressee of the statement.

statementCity

Text

40

Statement address: city.

statementCountryCode

Text

3

Statement address: country.

statementCyclePeriod

Numeric

3

Indicates how often, in number of days, the customer receives an account statement.

statementDayOfMonth

Numeric

2

Day of the month the statement is issued.

statementPostalCode

Text

10

Statement address: postal code.

statementStateProvince

Text

3

Statement address: province or state.

statementStreetLine1

Text

40

Statement address: Street address line 1.

statementStreetLine2

Text

40

Statement address: Street address line 2.

statementStreetLine3

Text

40

Statement address: Street address line 3.

statementStreetLine4

Text

40

Statement address: Street address line 4.

status

Text

2

The account status. For a closed account in which more than one status applies (for example, bankruptcy and charged-off), populate the field with the first applicable value from the following priority list: 22, 24, 23, 28, 21, 25, 29, 20. Valid values:

  • 00 = Open (more detailed status information is unavailable)
  • 01 = Open, normal, active
  • 02 = Re-opened, normal, active
  • 03 = Open, overlimit/overdraft
  • 04 = Open, interest accrual prohibited
  • 05 = Open, frozen/auth prohibited
  • 06 = Open, disputed
  • 07 = Open, fixed payment (for example, Consumer Credit Counseling Service)
  • 08 = Open, other
  • 11 = Open, normal, inactive
  • 20 = Closed, reason for closure is unavailable
  • 21 = Closed, request from account holder or cardholder
  • 22 = Closed, bankruptcy or filing for bankruptcy
  • 23 = Closed, bank action (revoked)
  • 24 = Closed, charged-off
  • 25 = Closed, fraud
  • 28 = Closed, deceased
  • 29 = Closed, due to inactivity
  • 30 = Closed, account compromise: mass compromise, transacted at compromised POS, phishing victim, and so on
  • 31 = Closed, other

statusDate

Date

8

Format: yyyymmdd

Effective date of current status.

type

Text

2

Type of the account. Valid values:

  • D = DDA/current account
  • M = Mortgage
  • H = Home Equity Line of Credit (HELOC)
  • S = Savings
  • C = Credit card
  • LU = Unsecured Loan
  • LA = Automobile Loan
  • LS = Secured Loan (other than auto/mortgage)
  • UC = Unsecured Line of Credit
  • SC = Secured Line of Credit (other than HELOC)
  • MM = Money market
  • T = Treasury
  • Z = Certificate of deposit
  • B = Brokerage
  • O = Other Deposit Accounts (Annuity, Life Insurance, and so on)

usage

Text

2

Indicates the purpose the account is used for. Valid values:

  • G = General
  • R = Personal Retirement
  • E = Escrow
  • T = Travel and Entertainment
  • P = Business/Corporate Purchasing
  • D = Personal/Family Education
  • H = Personal/Family Healthcare
  • O = Other

userCode1

Text

3

User-defined information.

userCode2

Text

3

User-defined information.

userCode3

Text

3

User-defined information.

userCode4

Text

3

User-defined information.

userCode5

Text

3

User-defined information.

userData01

Text

6

User-defined information. Editable in Falcon Expert rules.

userData02

Text

6

User-defined information. Editable in Falcon Expert rules.

userData03

Text

6

User-defined information. Editable in Falcon Expert rules.

userData04

Text

8

User-defined information. Editable in Falcon Expert rules.

userData05

Text

8

User-defined information. Editable in Falcon Expert rules.

userData06

Text

8

User-defined information. Editable in Falcon Expert rules.

userData07

Text

10

User-defined information. Editable in Falcon Expert rules.

userData08

Text

10

User-defined information. Editable in Falcon Expert rules.

userData09

Text

15

User-defined information. Editable in Falcon Expert rules.

userData10

Text

15

User-defined information. Editable in Falcon Expert rules.

userData11

Text

20

User-defined information. Editable in Falcon Expert rules.

userData12

Text

20

User-defined information. Editable in Falcon Expert rules.

userData13

Text

40

User-defined information. Editable in Falcon Expert rules.

userData14

Text

40

User-defined information. Editable in Falcon Expert rules.

userData15

Text

60

User-defined information. Editable in Falcon Expert rules.

userIndicator01

Text

1

User-defined information. Editable in Falcon Expert rules.

userIndicator02

Text

1

User-defined information. Editable in Falcon Expert rules.

userIndicator03

Text

1

User-defined information. Editable in Falcon Expert rules.

userIndicator04

Text

1

User-defined information. Editable in Falcon Expert rules.

userIndicator05

Text

1

User-defined information. Editable in Falcon Expert rules.

vipType

Text

1

Very Important Person (VIP) indicator:

  • S = Standard
  • V = VIP

workflow

Text

16

Contains the name of the workflow to be executed by Falcon Fraud Manager.
Account Information Summary (AIS) 2.0 Field Descriptions

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