Retail Banking Transactions 2.1

Field NameTypeSizeField Format/Description

accessChannel

Text

1

This field identifies the type of the device through which the transaction was placed:

  • A = ATM
  • B = Phone (Interactive Voice Response system)
  • C = Computer/Internet
  • D = Drop box
  • F = Fax
  • G = Payment initiated using tokenization channel
  • M = Mobile banking through web browser
  • N = Mobile application
  • O = Other
  • P = Postal (Mail)
  • R = Automatic transfer
  • S = Point of Sale (POS) Terminal
  • T = Teller window/cashier
  • U = In-branch kiosk/device (non-ATM)
  • V = Phone (remote teller)
  • Z = Direct link to back office

authentication

Text

1

The method that was used to authenticate the payment:

  • M = Separate user authentication (business)
  • N = None
  • O = Other
  • S = Single-factor authentication
  • T = Two-factor authentication with second factor static
  • U = Three-factor authentication
  • V = Two-factor authentication with second factor dynamic
  • Blank = Unknown

clientIdFromHeader

Text

16

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

creditAcctBankId

Text

20

The bank ID associated with the account having funds credited.

creditAcctBranchId

Text

20

The branch ID associated with the account having funds credited.

creditAcctCountry

Text

3

The country code for the country in which the account being credited is held.

creditAcctNumber

Text

40

The account number for the account having funds credited.

creditAcctSortCode

Text

6

The sort code associated with the account having funds credited.

creditAmount

Numeric

19

Format: nnnnnnnnnnnnnnnn.nn

The monetary amount credited to the credit account. Amount should be in the currency of the credit. Fees or charges can cause the credited amount to differ from the debited amount in a constant currency.

creditCurrencyCode

Text

3

The currency code for the creditAmount field.

creditCustomerId

Text

20

String identifying the customer associated with the account having funds credited.

creditDate

Date

8

Date on which the amount is expected to be credited to the credit account.

creditMessage

Text

100

Message to the beneficiary as it appears on the payment.

For Open Banking/PSD2 transactions, defined as follows:

  • Bytes 771-774: Merchant category code (4 bytes)

creditName

Text

60

Beneficiary name as it appears on the payment.

For Open Banking/PSD2 transactions, defined as follows:

  • Bytes 615-658: Merchant name (44 bytes)
  • Bytes 659-674: Merchant id (16 bytes)

creditSegmentId

Text

6

The segmentation ID for the account having funds credited The segmentation ID is determined by the client to segment accounts into like groups.

creditSegmentLevel

Text

1

Specifies the level of the segment ID in the creditSegmentId field:

  • C = Customer level
  • A = Account level
  • T = Transaction level

customerAcctNumber

Text

40

Customer Account Number.

Identifier for the account used in the transaction, which may be one of many held by the customer with the financial institution. This is the account that is associated with any scores for this transaction.

customerIdFromHeader

Text

20

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

dataSpecificationVersion

Text

5

2.1

debitAcctBankId

Text

20

The bank ID associated with the account having funds debited.

debitAcctBranchId

Text

20

The branch ID associated with the account having funds debited.

debitAcctCountry

Text

3

The country code for the country in which the account being debited is held.

debitAcctNumber

Text

40

The account number for the account having funds debited.

debitAcctSortCode

Text

6

The sort code associated with the account having funds debited.

debitAmount

Numeric

19

Format: nnnnnnnnnnnnnnnn.nn

The monetary amount debited from the debit account.

debitCurrencyCode

Text

3

The currency code for the debitAmount field.

debitCustomerId

Text

20

String identifying the customer associated with the account having funds debited.

debitDate

Date

8

Date on which the amount is expected to be debited from the debit account.

debitMessage

Text

100

Message to appear on payer's statement.

debitName

Text

60

Payer name as it appears on the payment.

debitSegmentId

Text

6

The segmentation ID for the account having funds debited. The segmentation ID is determined by the client to segment accounts into like groups.

debitSegmentLevel

Text

1

Specifies the level of the segment ID in the debitSegmentId field:

  • C = Customer level
  • A = Account level
  • T = Transaction level

decision

Text

1

Decision for the transaction before reaching Falcon:

  • A = Approve/Accepted
  • D= Decline/Reject
  • R= Refer
  • O = Other
  • Blank = Unknown

depositWithdrawalFlag

Text

1

Specifies whether the transaction is a deposit or withdrawal of funds with respect to the account specified in the customerAcctNumber field:

For transactions on electronic funds accounts:

  • D = Funds are credited to the account (deposit)
  • Q = Funds are debited from the account (withdrawal)

For transactions on card-connected accounts, such as credit cards and prepaid cards:

  • C = Funds are credited to the referenced credit card on the account
  • P = Funds are credited to the referenced prepaid card on the account

The RESERVED_01 field is populated with the referenced account number for field values of C and P.

deviceId

Text

40

This field provides the specific identification number of the device where the transaction was initiated:

  • ATM ID = ATM based transaction
  • Branch ID = Teller based transaction
  • Web ID = online transaction
  • Telephone Number = telephone transaction
  • Terminal ID = POS transaction
  • IMEI = Mobile transaction

exchangeRate

Numeric

13

Format: nnnnnn.nnnnnn

The exchange rate used for this transaction to convert the debited currency into the credited currency.

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

Specifies the Greenwich Mean Time (GMT) offset associated with all date-time fields in the record body (positions 161 onward). Format is (-)nn.nn, where the digits to the right of the decimal point represent decimal fractions of an hour. For example, a GMT offset of 5 hours and 45 minutes (Nepal) is expressed as 5.75. Note that gmtOffset changes during Daylight Saving Time if Daylight Saving Time is observed in the date-time fields in the record body.

internationalIndicator

Text

1

Indicates whether this is an international or domestic payment/transfer:

  • D = Domestic
  • I = International

modelControl1

Text

1

This field is used to control Falcon model-specific features. See the model report for information on supported functionality.

modelControl2

Text

1

This field is used to control Falcon model-specific features. See the model report for information on supported functionality.

modelControl3

Text

1

This field is used to control Falcon model-specific features. See the model report for information on supported functionality.

modelControl4

Text

1

This field is used to control Falcon model-specific features. See the model report for information on supported functionality.

onUsFlag

Text

1

Specifies if the transaction is on or off us. It is assumed the customerAcctNumber is with the financial institution so the following values apply to the other account:

  • E = The transaction is external (off-us)
  • O = The transaction is intra-brand (on-us)
  • W = The transaction is inter-brand (on-we)

paymentOrderFlag

Text

1

Indicates whether this is the set-up or the processing of the payment:

  • P = Payment/Transfer
  • O = Payment Order (payment set-up for delayed or recurring payments)

processingChannel

Text

1

Processing channel:

  • A = ACH
  • B = Other deferred net settlement system
  • C = Check
  • D = Open Banking/PSD2
  • E = Electronic Funds Transfer (not specified elsewhere)
  • F = FedWire
  • G = Other real-time gross settlement system
  • I = Internal Transfer
  • O = Other
  • P = Faster Payments
  • Q = BACS
  • R = CHAPS
  • S = SWIFT
  • W = Cash

processingType

Text

1

Processing type through the channel:

  • C = Credit (funds push)
  • D = Direct Debit (funds pull)

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

RBTRAN21

recurringExpireDate

Date

8

Format: yyyymmdd

The date after which no further recurring payments should be performed.

For transactionType= S

recurringFrequency

Text

3

An integer indicating the number of days between recurring payments. For monthly payments use 28 days.

For transactionType = S

Unknown or does not apply = blank

reversalIndicator

Text

1

Transaction reversal indicator:

  • D = Derogatory reversal
  • N = Nonderogatory reversal (or derogatory status unknown)
  • Q = Not a reversal
  • blank = Unknown

reversalReason

Text

1

Reason for reversal/return:

  • C = Account Closed
  • D = Check Digit Error
  • F = Account Frozen
  • I = Insufficient Funds
  • N = Non-Transaction Account
  • O = Other
  • S = Stopped Payment
  • U = Funds Uncollected
  • X = No Account/Unable to Locate Account

reversedTransactionDate

Date

8

Format: yyyymmdd

Transaction date for the reversed transaction.

reversedTransactionTime

Date

6

Format: hhmmss

Transaction time for the reversed transaction.

serviceRepresentativeId

Text

20

The identification of the service representative that worked with the customer for this transaction. For branch transaction this is the teller's ID and for phone transactions this is the operator's ID.

sessionId

Text

40

Unique identifier number of the customer's online session associated with the transaction.

transactionAmount

Numeric

19

Format: nnnnnnnnnnnnnnnn.nn

The debited amount (debitAmount) expressed in a constant currency.

transactionCity

Text

40

Identifies the city where the transaction occurred.

transactionCountryCode

Text

3

This field identifies the country where the transaction occurred.

transactionCurrencyCode

Text

3

The currency code for the transactionAmount field.

transactionCurrencyConversionRate

Numeric

13

Format: nnnnnn.nnnnnn

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

transactionDate

Date

8

Format: yyyymmdd

Date of transaction. Time zone is specified by gmtOffset.

transactionPostalCode

Text

10

Identifies the postal code of the location where the transaction occurred.

transactionReferenceNumber

Text

32

The Transaction Reference Number. This number uniquely identifies a given transaction.

transactionStateProvince

Text

3

This field identifies the state where the transaction occurred.

transactionStreet

Text

40

Identifies the first line of the street address where the transaction occurred.

transactionTime

Date

6

Format: hhmmss

Time of transaction. Time zone is specified by gmtOffset.

transactionTimeMilliseconds

Numeric

3

Format: sss

Milliseconds of the transaction. Time zone is specified by gmtOffset.

transactionType

Text

1

The type of the transaction:

  • A = Amended Payment Order
  • D = Delayed/forward-dated single payment
  • I = Single Immediate payment
  • L = List/Bulk payment
  • M = Delayed/forward-dated list/bulk payment
  • S = Standing order/recurring single payment
  • T = Standing order/recurring list/bulk payment
  • U = Urgent single immediate transfer/payment

userCode06

Text

3

User-defined information.

userCode07

Text

3

User-defined information.

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.

userData16

Text

6

User-defined information.

userData17

Text

6

User-defined information.

userData18

Text

8

User-defined information.

userData19

Text

8

User-defined information.

userData20

Text

10

User-defined information.

userData21

Text

10

User-defined information.

userData22

Text

10

User-defined information.

userData23

Text

15

User-defined information.

userData24

Text

15

User-defined information.

userData25

Text

15

User-defined information.

userData26

Text

20

User-defined information.

userData27

Text

40

User-defined information.

userData28

Text

60

User-defined information.

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.

userIndicator06

Text

1

User-defined information. Editable in Falcon Expert rules.

userIndicator07

Text

1

User-defined information. Editable in Falcon Expert rules.

workflow

Text

16

Contains the name of the workflow to be executed by Falcon Fraud Manager.
Retail Banking Transactions 2.1 Field Descriptions

  • ©2022 Fair Isaac Corporation. All rights reserved.

    • www.fico.com